First State Bank of Brownsboro: 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.
Cost of borrowings climbed 1.47 percentage points in Q2 2026, from 6.30% to 7.77%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank of Brownsboro is 237th of 345 on net interest margin, 3.75% 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 Brownsboro sits 0.20 points lower, at 3.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 7.68% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | 7.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $456K |
| Interest expense on deposits | $444K |
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 | 4.23% | 1.26% | 3.04% | 6.67% | 2.07% |
| Q4 2023 | 4.30% | 1.37% | 3.01% | 6.74% | 2.00% |
| Q1 2024 | 4.39% | 1.46% | 3.03% | 6.81% | 2.04% |
| Q2 2024 | 4.51% | 1.52% | 3.10% | 7.07% | 2.04% |
| Q3 2024 | 4.60% | 1.56% | 3.15% | 7.25% | 2.07% |
| Q4 2024 | 4.71% | 1.55% | 3.27% | 7.56% | 2.13% |
| Q1 2025 | 4.76% | 1.55% | 3.31% | 7.53% | 2.26% |
| Q2 2025 | 4.91% | 1.61% | 3.43% | 7.56% | 2.23% |
| Q3 2025 | 5.01% | 1.54% | 3.58% | 7.70% | 2.27% |
| Q4 2025 | 5.01% | 1.44% | 3.67% | 7.75% | 2.44% |
| Q1 2026 | 4.93% | 1.33% | 3.69% | 7.60% | 2.57% |
| Q2 2026 | 5.04% | 1.39% | 3.75% | 7.68% | 2.70% |
First State Bank of Brownsboro 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 Brownsboro, 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 Brownsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11181) · FFIEC NIC profile (RSSD 229454)