First State Bank of Bedias: 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 0.07 percentage points between Q1 2026 and Q2 2026, to 4.68%. First State Bank of Bedias ranks 85th of 345 Texas banks on net interest margin, in the upper half at 4.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First State Bank of Bedias sits 0.73 points higher, at 4.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 7.83% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.68% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $766K |
| Interest expense on deposits | $766K |
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 | 5.93% | 0.85% | 5.17% | 7.10% | 3.03% |
| Q4 2023 | 6.16% | 1.04% | 5.23% | 7.37% | 3.08% |
| Q1 2024 | 6.63% | 1.34% | 5.49% | 8.37% | 3.18% |
| Q2 2024 | 6.28% | 1.44% | 5.03% | 7.64% | 3.25% |
| Q3 2024 | 6.34% | 1.80% | 4.77% | 7.72% | 3.24% |
| Q4 2024 | 6.29% | 1.79% | 4.75% | 7.75% | 3.28% |
| Q1 2025 | 6.08% | 1.75% | 4.56% | 7.60% | 3.27% |
| Q2 2025 | 6.19% | 1.77% | 4.64% | 7.72% | 3.49% |
| Q3 2025 | 6.44% | 1.82% | 4.87% | 7.98% | 3.60% |
| Q4 2025 | 6.45% | 1.80% | 4.90% | 8.00% | 3.74% |
| Q1 2026 | 6.18% | 1.67% | 4.75% | 7.85% | 3.78% |
| Q2 2026 | 6.13% | 1.68% | 4.68% | 7.83% | 3.89% |
First State Bank of Bedias 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 State Bank of Bedias, 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 State Bank of Bedias profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16895) · FFIEC NIC profile (RSSD 88352)