Fidelity Bank of Texas: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.04 percentage points between Q1 2026 and Q2 2026, to 4.25%. Within Texas, Fidelity Bank of Texas is 151st of 345 on net interest margin, 4.25% as of Q2 2026, above the middle of the field. Fidelity Bank of Texas reported 4.25% on net interest margin for Q2 2026, 0.30 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 7.10% |
| Yield on securities | 5.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $705K |
| Interest expense on deposits | $642K |
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 | 1.99% | -1.02% | 1.68% | 2.12% | 0.00% |
| Q4 2023 | 5.79% | 1.11% | 4.80% | 6.60% | 0.84% |
| Q1 2024 | 5.76% | 1.43% | 4.48% | 6.64% | 4.27% |
| Q2 2024 | 5.89% | 1.79% | 4.29% | 6.89% | 4.30% |
| Q3 2024 | 6.01% | 1.66% | 4.49% | 7.02% | 4.27% |
| Q4 2024 | 6.47% | 1.58% | 5.00% | 7.65% | 4.36% |
| Q1 2025 | 6.42% | 1.44% | 5.07% | 7.22% | 4.38% |
| Q2 2025 | 8.22% | 1.49% | 6.81% | 9.28% | 4.40% |
| Q3 2025 | 6.95% | 1.85% | 5.22% | 7.61% | 4.38% |
| Q4 2025 | 7.49% | 1.97% | 5.62% | 8.42% | 4.40% |
| Q1 2026 | 6.20% | 2.03% | 4.29% | 7.11% | — |
| Q2 2026 | 6.19% | 2.04% | 4.25% | 7.10% | 5.12% |
Fidelity Bank of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank of Texas, 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 Fidelity Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21455) · FFIEC NIC profile (RSSD 741068)