First Texas Bank: 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 Net interest margin, which rose 0.19 percentage points to 3.83%. First Texas Bank ranks 220th of 345 Texas banks on net interest margin, in the lower half at 3.83% (Q2 2026). First Texas Bank reported 3.83% on net interest margin for Q2 2026, 0.12 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 7.00% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.78% |
| Cost of interest-bearing deposits | 1.36% |
| Cost of interest-bearing liabilities | 1.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.1M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 3.22% | 0.59% | 2.68% | 6.09% | 1.37% |
| Q4 2023 | 3.28% | 0.58% | 2.75% | 6.30% | 1.31% |
| Q1 2024 | 3.34% | 0.76% | 2.64% | 6.41% | 1.25% |
| Q2 2024 | 3.52% | 1.00% | 2.61% | 6.61% | 1.24% |
| Q3 2024 | 3.66% | 1.04% | 2.71% | 6.84% | 1.22% |
| Q4 2024 | 7.54% | 1.72% | 6.08% | 13.06% | 2.61% |
| Q1 2025 | 3.87% | 0.93% | 3.01% | 6.64% | 1.55% |
| Q2 2025 | 4.00% | 0.91% | 3.16% | 6.78% | 1.58% |
| Q3 2025 | 4.36% | 0.90% | 3.53% | 7.20% | 1.70% |
| Q4 2025 | 4.40% | 0.85% | 3.63% | 7.03% | 1.92% |
| Q1 2026 | 4.37% | 0.80% | 3.64% | 6.90% | 2.02% |
| Q2 2026 | 4.55% | 0.78% | 3.83% | 7.00% | 2.29% |
First Texas Bank 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 Texas Bank, 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 Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11935) · FFIEC NIC profile (RSSD 444350)