Gilmer 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.
Compared with Q1 2026, Net interest margin fell 0.20 percentage points in Q2 2026 to 3.06%, the biggest move on this page. Gilmer National Bank ranks 308th of 345 Texas banks on net interest margin, in the lower half at 3.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Gilmer National Bank sits 0.89 points lower, at 3.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.75% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.05% |
| Cost of interest-bearing deposits | 3.46% |
| Cost of interest-bearing liabilities | 3.46% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 5.31% | 3.25% | 2.39% | 6.37% | 3.24% |
| Q4 2023 | 5.68% | 3.30% | 2.68% | 6.93% | 3.19% |
| Q1 2024 | 5.79% | 3.45% | 2.66% | 7.05% | 3.12% |
| Q2 2024 | 5.90% | 3.54% | 2.68% | 7.01% | 3.13% |
| Q3 2024 | 6.18% | 3.55% | 2.92% | 7.39% | 3.09% |
| Q4 2024 | 6.22% | 3.43% | 3.07% | 7.44% | 2.71% |
| Q1 2025 | 6.26% | 3.29% | 3.23% | 7.37% | 2.76% |
| Q2 2025 | 6.32% | 3.29% | 3.30% | 7.41% | 2.75% |
| Q3 2025 | 6.10% | 3.23% | 3.16% | 7.14% | 2.88% |
| Q4 2025 | 6.21% | 3.16% | 3.34% | 7.25% | 2.95% |
| Q1 2026 | 6.06% | 3.08% | 3.26% | 7.03% | 3.02% |
| Q2 2026 | 5.85% | 3.05% | 3.06% | 6.75% | 3.01% |
Gilmer 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 Gilmer 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 Gilmer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3219) · FFIEC NIC profile (RSSD 323651)