Frontier Bank of Texas: 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 standout move of Q2 2026 was in Cost of borrowings: 0.83 percentage points lower than in Q1 2026, at 3.88%. Frontier Bank of Texas ranks 100th of 345 Texas banks on net interest margin, in the upper half at 4.60% (Q2 2026). Frontier Bank of Texas reported 4.60% on net interest margin for Q2 2026, 0.89 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.71% |
| Yield on loans | 7.25% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.60% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.0M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.0M |
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 | 5.92% | 2.05% | 4.01% | 6.36% | 3.30% |
| Q4 2023 | 6.34% | 2.38% | 4.10% | 6.92% | 3.92% |
| Q1 2024 | 6.13% | 2.59% | 3.66% | 6.66% | 3.97% |
| Q2 2024 | 6.58% | 2.72% | 4.02% | 7.13% | 4.40% |
| Q3 2024 | 6.64% | 2.81% | 4.02% | 7.14% | 4.34% |
| Q4 2024 | 6.58% | 2.66% | 4.10% | 7.12% | 4.15% |
| Q1 2025 | 6.57% | 2.46% | 4.24% | 7.16% | 3.90% |
| Q2 2025 | 6.60% | 2.58% | 4.18% | 7.05% | 3.91% |
| Q3 2025 | 6.88% | 2.57% | 4.50% | 7.39% | 3.90% |
| Q4 2025 | 6.81% | 2.48% | 4.51% | 7.28% | 3.86% |
| Q1 2026 | 6.51% | 2.33% | 4.33% | 7.07% | 3.53% |
| Q2 2026 | 6.71% | 2.28% | 4.60% | 7.25% | 3.63% |
Frontier Bank of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier Bank of Texas, 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 Frontier Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58509) · FFIEC NIC profile (RSSD 3472046)