Freedom 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.
Yield on securities rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 4.20% against 3.95%. It was the largest change among the key lines on this page. Freedom Bank ranks 189th of 345 Texas banks on net interest margin, in the lower half at 4.05% (Q2 2026). At 4.05%, Freedom Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.69% |
| Yield on loans | 8.26% |
| Yield on securities | 4.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 3.42% |
| Cost of interest-bearing liabilities | 3.48% |
| Cost of borrowings | 4.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 6.00% | 2.29% | 3.94% | 7.26% | 1.46% |
| Q4 2023 | 6.46% | 2.48% | 4.10% | 7.74% | 1.84% |
| Q1 2024 | 7.04% | 2.93% | 4.30% | 7.95% | 4.41% |
| Q2 2024 | 7.38% | 3.33% | 4.32% | 8.34% | 4.42% |
| Q3 2024 | 7.33% | 3.40% | 4.15% | 8.31% | 4.49% |
| Q4 2024 | 7.18% | 3.24% | 4.15% | 8.21% | 4.59% |
| Q1 2025 | 6.80% | 3.02% | 3.98% | 8.15% | 4.25% |
| Q2 2025 | 7.06% | 2.96% | 4.30% | 8.44% | 4.30% |
| Q3 2025 | 7.04% | 3.01% | 4.18% | 8.45% | 4.29% |
| Q4 2025 | 6.82% | 2.95% | 4.03% | 8.33% | 4.21% |
| Q1 2026 | 6.68% | 2.78% | 4.02% | 8.35% | 3.95% |
| Q2 2026 | 6.69% | 2.77% | 4.05% | 8.26% | 4.20% |
Freedom 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 Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17881) · FFIEC NIC profile (RSSD 432058)