First Texas National 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 0.23 percentage points to 5.15%. First Texas National Bank ranks 37th of 345 Texas banks on net interest margin, in the upper half at 5.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Texas National Bank sits 1.20 points higher, at 5.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.22% |
| Yield on loans | 7.62% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | 4.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.15% |
| Yield to cost spread | 4.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.95% | 2.43% | 3.72% | 6.71% | 2.65% |
| Q4 2023 | 6.27% | 2.49% | 3.96% | 6.90% | 3.02% |
| Q1 2024 | 5.88% | 2.53% | 3.46% | 6.65% | 3.37% |
| Q2 2024 | 6.29% | 2.82% | 3.65% | 6.88% | 3.52% |
| Q3 2024 | 6.61% | 3.04% | 3.61% | 7.23% | 3.57% |
| Q4 2024 | 6.78% | 2.81% | 4.19% | 7.31% | 3.54% |
| Q1 2025 | 6.70% | 2.50% | 4.29% | 7.29% | 3.28% |
| Q2 2025 | 6.87% | 2.49% | 4.53% | 7.28% | 3.08% |
| Q3 2025 | 7.21% | 2.59% | 4.93% | 7.67% | 3.13% |
| Q4 2025 | 6.96% | 2.29% | 4.80% | 7.45% | 3.21% |
| Q1 2026 | 6.96% | 2.27% | 4.92% | 7.49% | 3.34% |
| Q2 2026 | 7.22% | 2.31% | 5.15% | 7.62% | 3.53% |
First Texas National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3197) · FFIEC NIC profile (RSSD 393252)