First State Bank of Burnet: 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: 27.20 percentage points higher than in Q1 2026, at 30.77%. Within Texas, First State Bank of Burnet is 209th of 345 on net interest margin, 3.93% as of Q2 2026, below the middle of the field. At 3.93%, First State Bank of Burnet's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 30.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $772K |
| Interest expense on deposits | $771K |
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 |
|---|---|---|---|
| Q3 2023 | 3.37% | 0.51% | 2.92% |
| Q4 2023 | 3.52% | 0.65% | 2.94% |
| Q1 2024 | 3.55% | 0.81% | 2.82% |
| Q2 2024 | 3.73% | 0.89% | 2.93% |
| Q3 2024 | 3.85% | 0.94% | 3.01% |
| Q4 2024 | 4.07% | 0.97% | 3.21% |
| Q1 2025 | 4.17% | 0.95% | 3.30% |
| Q2 2025 | 4.35% | 1.03% | 3.42% |
| Q3 2025 | 4.59% | 1.06% | 3.65% |
| Q4 2025 | 4.66% | 1.11% | 3.67% |
| Q1 2026 | 4.71% | 1.06% | 3.75% |
| Q2 2026 | 4.86% | 1.05% | 3.93% |
First State Bank of Burnet 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 Burnet, 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 Burnet profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11557) · FFIEC NIC profile (RSSD 303653)