First State Bank of 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 standout move of Q2 2026 was in Total interest expense: 11.4% lower than in Q1 2026, at $1.3M. Within Texas, First State Bank of Texas is 66th of 345 on net interest margin, 4.82% as of Q2 2026, above 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 Texas sits 0.87 points higher, at 4.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 7.06% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.82% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 6.37% | 1.62% | 4.88% | 7.96% | 1.86% |
| Q4 2023 | 6.44% | 1.72% | 4.74% | 7.81% | 2.90% |
| Q1 2024 | 6.58% | 1.89% | 4.82% | 8.69% | 2.91% |
| Q2 2024 | 7.36% | 2.06% | 5.27% | 8.50% | 3.06% |
| Q3 2024 | 7.24% | 2.24% | 5.03% | 8.49% | 3.17% |
| Q4 2024 | 7.06% | 2.47% | 4.67% | 8.38% | 3.53% |
| Q1 2025 | 6.78% | 2.53% | 4.31% | 8.03% | 3.61% |
| Q2 2025 | 6.89% | 2.45% | 4.49% | 8.33% | 3.91% |
| Q3 2025 | 7.20% | 2.26% | 5.00% | 8.53% | 4.16% |
| Q4 2025 | 7.17% | 2.06% | 5.20% | 8.29% | 4.09% |
| Q1 2026 | 6.91% | 1.80% | 5.16% | 7.84% | 3.81% |
| Q2 2026 | 6.42% | 1.66% | 4.82% | 7.06% | 3.89% |
First State Bank of 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 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11922) · FFIEC NIC profile (RSSD 190563)