Extraco Banks, N.A.: 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.
Compared with Q1 2026, Total interest expense rose 2.6% in Q2 2026 to $11.8M, the biggest move on this page. On net interest margin, Extraco Banks, N.A. is 27th from the bottom among 345 Texas banks, 2.96% (Q2 2026). Extraco Banks, N.A. reported 2.96% on net interest margin for Q2 2026, 0.75 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 5.81% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.96% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.4M |
| Total interest expense | $11.8M |
| Interest expense on deposits | $9.5M |
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 | 4.65% | 1.51% | 2.92% | 5.03% | 3.42% |
| Q4 2023 | 4.83% | 1.75% | 2.86% | 5.24% | 3.56% |
| Q1 2024 | 4.81% | 1.86% | 2.75% | 5.24% | 3.63% |
| Q2 2024 | 4.91% | 2.10% | 2.78% | 5.40% | 3.69% |
| Q3 2024 | 5.06% | 2.08% | 2.85% | 5.63% | 3.75% |
| Q4 2024 | 4.97% | 1.92% | 2.95% | 5.64% | 3.82% |
| Q1 2025 | 4.93% | 1.94% | 2.90% | 5.65% | 3.84% |
| Q2 2025 | 4.97% | 2.01% | 2.87% | 5.73% | 3.87% |
| Q3 2025 | 5.05% | 2.02% | 2.94% | 5.83% | 3.92% |
| Q4 2025 | 4.96% | 1.98% | 2.91% | 5.79% | 3.91% |
| Q1 2026 | 4.88% | 1.88% | 2.96% | 5.73% | 4.00% |
| Q2 2026 | 4.90% | 1.90% | 2.96% | 5.81% | 4.00% |
Extraco Banks, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Extraco Banks, N.A., 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 Extraco Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5551) · FFIEC NIC profile (RSSD 537560)