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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.66% to 3.74%, the largest move among the key lines here. First Texas Bank ranks 238th of 345 Texas banks on net interest margin, in the lower half at 3.74% (Q2 2026). First Texas Bank reported 3.74% on net interest margin for Q2 2026, 0.20 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | 6.88% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $550K |
| Interest expense on deposits | $550K |
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 | 3.92% | 0.41% | 3.54% | 5.61% | 2.06% |
| Q4 2023 | 4.07% | 0.55% | 3.56% | 5.90% | 2.14% |
| Q1 2024 | 4.11% | 0.90% | 3.28% | 5.92% | 2.16% |
| Q2 2024 | 4.27% | 1.24% | 3.12% | 6.18% | 2.27% |
| Q3 2024 | 4.35% | 1.36% | 3.09% | 6.32% | 2.38% |
| Q4 2024 | 4.38% | 1.38% | 3.09% | 6.51% | 2.57% |
| Q1 2025 | 4.41% | 1.27% | 3.26% | 6.61% | 2.78% |
| Q2 2025 | 4.51% | 1.14% | 3.47% | 6.74% | 2.87% |
| Q3 2025 | 4.59% | 1.08% | 3.65% | 6.89% | 2.94% |
| Q4 2025 | 4.61% | 1.02% | 3.68% | 7.02% | 2.97% |
| Q1 2026 | 4.57% | 0.99% | 3.66% | 6.88% | 3.13% |
| Q2 2026 | 4.64% | 0.97% | 3.74% | 6.88% | 3.26% |
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 3293) · FFIEC NIC profile (RSSD 875758)