Grandview 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.
In Q2 2026, Total interest expense edged up by 2.1%, from $2.4M to $2.4M, the largest move among the key lines here. Among 345 Texas banks, Grandview Bank sits 31st from the top on net interest margin, 5.20% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Grandview Bank sits 1.25 points higher, at 5.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.63% |
| Yield on loans | 7.38% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.20% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.2M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 5.81% | 1.70% | 4.14% | 6.56% | 2.90% |
| Q4 2023 | 5.99% | 1.79% | 4.32% | 6.74% | 3.02% |
| Q1 2024 | 6.48% | 1.80% | 4.80% | 7.47% | 2.94% |
| Q2 2024 | 6.43% | 1.97% | 4.53% | 7.32% | 2.93% |
| Q3 2024 | 6.53% | 2.15% | 4.49% | 7.48% | 2.93% |
| Q4 2024 | 6.44% | 2.02% | 4.56% | 7.45% | 3.04% |
| Q1 2025 | 6.35% | 1.86% | 4.61% | 7.23% | 3.06% |
| Q2 2025 | 6.54% | 1.92% | 4.74% | 7.35% | 3.03% |
| Q3 2025 | 6.62% | 2.02% | 4.82% | 7.48% | 3.05% |
| Q4 2025 | 6.75% | 1.75% | 5.10% | 7.45% | 2.83% |
| Q1 2026 | 6.54% | 1.56% | 5.14% | 7.31% | 3.08% |
| Q2 2026 | 6.63% | 1.57% | 5.20% | 7.38% | 3.04% |
Grandview 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 Grandview 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 Grandview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3230) · FFIEC NIC profile (RSSD 333856)