First State Bank of Ben Wheeler, 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 largest change between Q1 2026 and Q2 2026 was in Yield on loans, which rose 0.26 percentage points to 7.41%. Within Texas, First State Bank of Ben Wheeler, Texas is 282nd of 345 on net interest margin, 3.34% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First State Bank of Ben Wheeler, Texas sits 0.61 points lower, at 3.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.57% |
| Yield on loans | 7.41% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 4.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $538K |
| Interest expense on deposits | $537K |
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 | 3.61% | 1.09% | 2.62% | 6.07% | 2.07% |
| Q4 2023 | 3.76% | 1.29% | 2.59% | 6.26% | 2.10% |
| Q1 2024 | 3.84% | 1.33% | 2.64% | 6.42% | 2.11% |
| Q2 2024 | 3.89% | 1.37% | 2.66% | 6.56% | 2.07% |
| Q3 2024 | 4.06% | 1.42% | 2.78% | 6.77% | 2.17% |
| Q4 2024 | 4.17% | 1.45% | 2.88% | 6.98% | 2.24% |
| Q1 2025 | 4.17% | 1.37% | 2.95% | 6.85% | 2.38% |
| Q2 2025 | 4.27% | 1.34% | 3.08% | 7.04% | 2.44% |
| Q3 2025 | 4.35% | 1.37% | 3.15% | 7.23% | 2.41% |
| Q4 2025 | 4.42% | 1.43% | 3.16% | 7.25% | 2.49% |
| Q1 2026 | 4.42% | 1.34% | 3.23% | 7.15% | 2.64% |
| Q2 2026 | 4.57% | 1.38% | 3.34% | 7.41% | 2.78% |
First State Bank of Ben Wheeler, 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 First State Bank of Ben Wheeler, 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 First State Bank of Ben Wheeler, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11904) · FFIEC NIC profile (RSSD 31657)