The Cowboy Bank of Texas: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.27 percentage points to 4.27%. The Cowboy Bank of Texas ranks 88th of 345 Texas banks on net interest margin, in the upper half at 4.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Cowboy Bank of Texas sits 0.72 points higher, at 4.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 7.66% |
| Yield on securities | 4.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.67% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $422K |
| Interest expense on deposits | $406K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.46% | 1.35% | 5.33% | 7.39% | 3.80% |
| Q4 2023 | 6.80% | 1.62% | 5.43% | 7.81% | 4.04% |
| Q1 2024 | 6.72% | 1.77% | 5.21% | 7.70% | 4.01% |
| Q2 2024 | 6.80% | 1.87% | 5.22% | 7.69% | 4.22% |
| Q3 2024 | 7.21% | 1.97% | 5.57% | 8.09% | 4.22% |
| Q4 2024 | 7.06% | 2.19% | 5.24% | 8.09% | 4.22% |
| Q1 2025 | 6.86% | 2.23% | 5.04% | 7.98% | 4.26% |
| Q2 2025 | 6.81% | 2.19% | 5.01% | 8.03% | 4.19% |
| Q3 2025 | 6.89% | 2.21% | 5.09% | 8.27% | 4.22% |
| Q4 2025 | 6.66% | 2.07% | 4.96% | 8.05% | 4.21% |
| Q1 2026 | 6.22% | 1.95% | 4.62% | 7.53% | 4.16% |
| Q2 2026 | 6.29% | 1.98% | 4.67% | 7.66% | 4.19% |
The Cowboy Bank of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cowboy Bank of Texas, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Cowboy Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12298) · FFIEC NIC profile (RSSD 370954)