Crossroads Bank: 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.
Cost of borrowings climbed 4.35 percentage points in Q2 2026, from 0.00% to 4.35%. It was the largest change from Q1 2026 among the key lines here. Crossroads Bank ranks 147th of 345 Texas banks on net interest margin, in the upper half at 4.26% (Q2 2026). Crossroads Bank reported 4.26% on net interest margin for Q2 2026, 0.31 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 7.64% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 4.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.86% | 1.36% | 3.63% | 6.69% | 2.09% |
| Q4 2023 | 5.09% | 1.53% | 3.69% | 6.94% | 2.13% |
| Q1 2024 | 5.19% | 1.53% | 3.78% | 7.04% | 2.17% |
| Q2 2024 | 5.29% | 1.60% | 3.76% | 7.15% | 2.21% |
| Q3 2024 | 5.51% | 1.70% | 3.88% | 7.41% | 2.17% |
| Q4 2024 | 5.68% | 1.75% | 4.01% | 7.53% | 2.34% |
| Q1 2025 | 5.60% | 1.72% | 3.96% | 7.42% | 2.34% |
| Q2 2025 | 5.76% | 1.77% | 4.05% | 7.51% | 2.37% |
| Q3 2025 | 5.71% | 1.79% | 4.05% | 7.69% | 2.47% |
| Q4 2025 | 5.77% | 1.76% | 4.09% | 7.62% | 2.93% |
| Q1 2026 | 5.66% | 1.65% | 4.11% | 7.54% | 3.03% |
| Q2 2026 | 5.76% | 1.59% | 4.26% | 7.64% | 3.04% |
Crossroads Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads Bank, 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10709) · FFIEC NIC profile (RSSD 564463)