First National Bank of South Padre Island: 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 standout move of Q2 2026 was in Cost of borrowings: 66.67 percentage points lower than in Q1 2026, at 0.00%. Among 345 Texas banks, First National Bank of South Padre Island sits 31st from the top on net interest margin, 5.20% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First National Bank of South Padre Island sits 1.31 points higher, at 5.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 7.11% |
| Yield on securities | 4.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.46% |
| Cost of interest-bearing deposits | 1.06% |
| Cost of interest-bearing liabilities | 1.06% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.20% |
| Yield to cost spread | 4.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $679K |
| Total interest expense | $104K |
| Interest expense on deposits | $104K |
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 | 4.91% | 0.25% | 4.66% | 6.69% | 3.26% |
| Q4 2023 | 4.89% | 0.29% | 4.60% | 6.12% | 3.39% |
| Q1 2024 | 4.73% | 0.46% | 4.27% | 6.11% | 3.50% |
| Q2 2024 | 5.34% | 0.46% | 4.89% | 6.74% | 3.62% |
| Q3 2024 | 5.30% | 0.56% | 4.76% | 6.91% | 3.74% |
| Q4 2024 | 5.49% | 0.62% | 4.90% | 7.08% | 3.78% |
| Q1 2025 | 5.45% | 0.59% | 4.89% | 7.61% | 3.85% |
| Q2 2025 | 5.62% | 0.55% | 5.09% | 7.34% | 4.01% |
| Q3 2025 | 5.67% | 0.57% | 5.12% | 7.04% | 4.19% |
| Q4 2025 | 5.87% | 0.57% | 5.33% | 7.52% | 4.22% |
| Q1 2026 | 5.67% | 0.60% | 5.10% | 6.91% | 4.24% |
| Q2 2026 | 5.74% | 0.46% | 5.20% | 7.11% | 4.39% |
First National Bank of South Padre Island 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 National Bank of South Padre Island, 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 National Bank of South Padre Island profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24902) · FFIEC NIC profile (RSSD 346566)