Dalhart Federal Savings & Loan Association, SSB: 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 Net interest margin, which rose 0.14 percentage points to 3.03%. Dalhart Federal Savings & Loan Association, SSB has the 33rd lowest net interest margin of the 345 banks headquartered in Texas, at 3.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Dalhart Federal Savings & Loan Association, SSB sits 0.92 points lower, at 3.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.59% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | 4.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $712K |
| Interest expense on deposits | $516K |
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 | 4.99% | 2.46% | 2.73% | 5.93% | 2.32% |
| Q4 2023 | 5.24% | 2.77% | 2.69% | 6.13% | 2.59% |
| Q1 2024 | 5.20% | 3.03% | 2.36% | 6.10% | 2.67% |
| Q2 2024 | 5.25% | 3.10% | 2.31% | 6.08% | 2.53% |
| Q3 2024 | 5.16% | 3.20% | 2.18% | 6.06% | 2.65% |
| Q4 2024 | 5.20% | 3.11% | 2.33% | 6.14% | 2.63% |
| Q1 2025 | 5.07% | 2.92% | 2.36% | 6.12% | 2.60% |
| Q2 2025 | 5.26% | 2.89% | 2.57% | 6.26% | 2.59% |
| Q3 2025 | 5.27% | 2.84% | 2.65% | 6.38% | 2.58% |
| Q4 2025 | 5.37% | 2.69% | 2.88% | 6.51% | 2.60% |
| Q1 2026 | 5.30% | 2.59% | 2.89% | 6.49% | 2.61% |
| Q2 2026 | 5.39% | 2.54% | 3.03% | 6.59% | 2.70% |
Dalhart Federal Savings & Loan Association, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dalhart Federal Savings & Loan Association, SSB, 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 Dalhart Federal Savings & Loan Association, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29208) · FFIEC NIC profile (RSSD 971070)