The Donley County 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 loans fell 0.51 percentage points from Q1 2026 to Q2 2026, ending at 7.70% against 8.21%. It was the largest change among the key lines on this page. On net interest margin, The Donley County State Bank is 20th from the bottom among 345 Texas banks, 2.74% (Q2 2026). The Donley County State Bank reported 2.74% on net interest margin for Q2 2026, 1.15 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.42% |
| Yield on loans | 7.70% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.74% |
| Yield to cost spread | 2.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $136K |
| Total interest expense | $170K |
| Interest expense on deposits | $170K |
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 | 3.20% | 1.24% | 2.04% | 9.40% | 1.00% |
| Q4 2023 | 3.53% | 1.56% | 2.08% | 9.57% | 1.06% |
| Q1 2024 | 3.91% | 1.71% | 2.30% | 9.43% | 1.91% |
| Q2 2024 | 4.45% | 1.71% | 2.85% | 9.60% | 2.50% |
| Q3 2024 | 4.39% | 1.77% | 2.73% | 9.55% | 2.53% |
| Q4 2024 | 4.48% | 1.79% | 2.79% | 9.26% | 2.77% |
| Q1 2025 | 4.59% | 1.85% | 2.86% | 8.81% | 3.36% |
| Q2 2025 | 4.91% | 1.81% | 3.23% | 9.30% | 3.52% |
| Q3 2025 | 4.46% | 1.84% | 2.74% | 8.09% | 3.33% |
| Q4 2025 | 4.40% | 1.82% | 2.72% | 8.27% | 3.40% |
| Q1 2026 | 4.27% | 1.84% | 2.56% | 8.21% | 3.50% |
| Q2 2026 | 4.42% | 1.80% | 2.74% | 7.70% | 3.66% |
The Donley County 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 The Donley County 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 The Donley County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11891) · FFIEC NIC profile (RSSD 753856)