Golden Bank, N.A.: 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 0.20 percentage points to 3.82%. Within Texas, Golden Bank, N.A. is 223rd of 345 on net interest margin, 3.82% as of Q2 2026, below the middle of the field. At 3.82%, Golden Bank, N.A.'s net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.52% |
| Yield on loans | 6.96% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.12% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.53% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $33.5M |
| Total interest expense | $15.0M |
| Interest expense on deposits | $14.8M |
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 | 7.04% | 3.15% | 4.31% | 7.47% | 3.22% |
| Q4 2023 | 7.22% | 3.60% | 4.10% | 7.63% | 3.32% |
| Q1 2024 | 7.02% | 3.85% | 3.65% | 7.49% | 3.23% |
| Q2 2024 | 7.17% | 3.97% | 3.71% | 7.59% | 3.25% |
| Q3 2024 | 7.26% | 4.10% | 3.70% | 7.82% | 3.28% |
| Q4 2024 | 7.22% | 3.93% | 3.81% | 7.66% | 3.12% |
| Q1 2025 | 6.84% | 3.67% | 3.63% | 7.35% | 3.11% |
| Q2 2025 | 6.89% | 3.61% | 3.72% | 7.39% | 3.10% |
| Q3 2025 | 6.96% | 3.55% | 3.86% | 7.64% | 3.22% |
| Q4 2025 | 6.80% | 3.36% | 3.89% | 7.22% | 3.36% |
| Q1 2026 | 6.36% | 3.15% | 3.62% | 6.86% | 3.28% |
| Q2 2026 | 6.52% | 3.12% | 3.82% | 6.96% | 3.39% |
Golden Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Bank, N.A., 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 Golden Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26223) · FFIEC NIC profile (RSSD 536059)