First Lockhart 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.
Compared with Q1 2026, Yield on securities rose 0.64 percentage points in Q2 2026 to 3.23%, the biggest move on this page. Within Texas, First Lockhart Bank is 125th of 345 on net interest margin, 4.37% as of Q2 2026. First Lockhart Bank reported 4.37% on net interest margin for Q2 2026, 0.43 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.64% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.25% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 4.76% | 1.15% | 3.26% | 5.58% | 1.56% |
| Q4 2023 | 4.96% | 1.83% | 3.22% | 5.72% | 1.50% |
| Q1 2024 | 5.03% | 1.79% | 3.31% | 5.79% | 1.44% |
| Q2 2024 | 5.27% | 1.89% | 3.49% | 5.95% | 1.42% |
| Q3 2024 | 5.48% | 1.97% | 3.62% | 6.18% | 1.32% |
| Q4 2024 | 5.47% | 1.89% | 3.68% | 6.19% | 1.37% |
| Q1 2025 | 5.35% | 1.85% | 3.65% | 6.17% | 1.41% |
| Q2 2025 | 5.66% | 1.65% | 4.15% | 6.28% | 1.91% |
| Q3 2025 | 5.94% | 1.62% | 4.45% | 6.58% | 2.31% |
| Q4 2025 | 6.06% | 1.73% | 4.50% | 6.69% | 2.44% |
| Q1 2026 | 5.78% | 1.74% | 4.14% | 6.44% | 2.59% |
| Q2 2026 | 6.04% | 1.82% | 4.37% | 6.64% | 3.23% |
First Lockhart 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 First Lockhart 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 First Lockhart Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13599) · FFIEC NIC profile (RSSD 631150)