Crowell State 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.
Yield on securities rose 0.28 percentage points from Q1 2026 to Q2 2026, ending at 4.29% against 4.01%. It was the largest change among the key lines on this page. On net interest margin, Crowell State Bank ranks 31st highest among the 345 banks headquartered in Texas, at 5.22% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Crowell State Bank sits 1.34 points higher, at 5.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 8.26% |
| Yield on securities | 4.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.22% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $605K |
| Total interest expense | $146K |
| Interest expense on deposits | $146K |
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 | 5.41% | 0.80% | 4.65% | 7.54% | 1.42% |
| Q4 2023 | 5.56% | 0.90% | 4.73% | 7.75% | 1.66% |
| Q1 2024 | 5.71% | 0.98% | 4.79% | 7.81% | 1.87% |
| Q2 2024 | 5.91% | 1.19% | 4.76% | 8.16% | 2.18% |
| Q3 2024 | 6.32% | 1.29% | 5.06% | 8.43% | 2.20% |
| Q4 2024 | 6.13% | 1.31% | 4.92% | 8.46% | 2.89% |
| Q1 2025 | 5.99% | 1.22% | 4.82% | 8.29% | 3.36% |
| Q2 2025 | 6.31% | 1.13% | 5.22% | 8.43% | 3.53% |
| Q3 2025 | 6.36% | 1.15% | 5.28% | 8.70% | 3.47% |
| Q4 2025 | 6.65% | 1.19% | 5.51% | 8.57% | 3.71% |
| Q1 2026 | 6.28% | 1.15% | 5.18% | 8.16% | 4.01% |
| Q2 2026 | 6.32% | 1.16% | 5.22% | 8.26% | 4.29% |
Crowell State 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 Crowell State 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 Crowell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10352) · FFIEC NIC profile (RSSD 701857)