Global One 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 standout move of Q2 2026 was in Net interest margin: 0.45 percentage points higher than in Q1 2026, at 4.27%. Within Texas, Global One Bank is 143rd of 345 on net interest margin, 4.27% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Global One Bank sits 0.32 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.27% |
| Yield on loans | 7.90% |
| Yield on securities | 5.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.44% |
| Cost of interest-bearing deposits | 3.85% |
| Cost of interest-bearing liabilities | 3.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 6.94% | 2.93% | 4.50% | 7.57% | 4.83% |
| Q4 2023 | 7.08% | 3.00% | 4.59% | 7.65% | 4.96% |
| Q1 2024 | 7.99% | 3.08% | 5.21% | 8.38% | 5.14% |
| Q2 2024 | 7.38% | 3.83% | 3.95% | 8.06% | 5.19% |
| Q3 2024 | 7.62% | 4.19% | 3.81% | 8.44% | 5.13% |
| Q4 2024 | 7.25% | 4.13% | 3.54% | 8.23% | 5.05% |
| Q1 2025 | 7.38% | 4.04% | 3.89% | 8.05% | 5.13% |
| Q2 2025 | 7.40% | 3.88% | 4.05% | 8.08% | 5.15% |
| Q3 2025 | 7.26% | 3.77% | 3.99% | 7.94% | 5.19% |
| Q4 2025 | 7.35% | 3.67% | 4.14% | 7.94% | 5.08% |
| Q1 2026 | 6.82% | 3.49% | 3.82% | 7.35% | 5.07% |
| Q2 2026 | 7.27% | 3.44% | 4.27% | 7.90% | 5.08% |
Global One 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 Global One 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 Global One Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11570) · FFIEC NIC profile (RSSD 748357)