First State Bank of Uvalde: 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.
Compared with Q1 2026, Yield on loans fell 0.32 percentage points in Q2 2026 to 6.29%, the biggest move on this page. On net interest margin, First State Bank of Uvalde is 8th from the bottom among 345 Texas banks, 2.37% (Q2 2026). First State Bank of Uvalde reported 2.37% on net interest margin for Q2 2026, 1.34 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.02% |
| Yield on loans | 6.29% |
| Yield on securities | 1.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.37% |
| Yield to cost spread | 1.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.4M |
| Total interest expense | $7.2M |
| Interest expense on deposits | $7.2M |
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 | 3.89% | 1.51% | 2.30% | 5.91% | 1.80% |
| Q4 2023 | 4.03% | 1.79% | 2.10% | 6.01% | 1.86% |
| Q1 2024 | 4.10% | 1.48% | 2.12% | 6.14% | 1.86% |
| Q2 2024 | 4.14% | 1.47% | 2.08% | 6.20% | 1.82% |
| Q3 2024 | 4.23% | 2.08% | 2.10% | 6.76% | 1.80% |
| Q4 2024 | 4.30% | 2.14% | 2.13% | 6.88% | 1.82% |
| Q1 2025 | 4.06% | 2.27% | 2.07% | 6.24% | 1.86% |
| Q2 2025 | 4.03% | 2.07% | 2.05% | 6.34% | 1.68% |
| Q3 2025 | 4.22% | 1.88% | 2.33% | 6.47% | 2.00% |
| Q4 2025 | 4.09% | 1.76% | 2.34% | 6.43% | 1.82% |
| Q1 2026 | 4.10% | 1.67% | 2.44% | 6.61% | 1.86% |
| Q2 2026 | 4.02% | 1.70% | 2.37% | 6.29% | 1.91% |
First State Bank of Uvalde 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 Uvalde, 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 Uvalde profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9978) · FFIEC NIC profile (RSSD 273662)