The Granger 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.22 percentage points between Q1 2026 and Q2 2026, to 8.16%. The Granger National Bank ranks 240th of 345 Texas banks on net interest margin, in the lower half at 3.73% (Q2 2026). The Granger National Bank reported 3.73% on net interest margin for Q2 2026, 0.16 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 8.16% |
| Yield on securities | 1.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $551K |
| Total interest expense | $203K |
| Interest expense on deposits | $202K |
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 | 3.24% | 0.91% | 2.43% | 7.02% | 1.85% |
| Q4 2023 | 3.30% | 1.23% | 2.21% | 7.20% | 1.84% |
| Q1 2024 | 3.65% | 1.34% | 2.38% | 7.19% | 1.88% |
| Q2 2024 | 3.85% | 1.47% | 2.46% | 8.44% | 1.64% |
| Q3 2024 | 4.67% | 1.89% | 3.07% | 9.77% | 1.79% |
| Q4 2024 | 4.87% | 1.87% | 3.28% | 8.52% | 1.75% |
| Q1 2025 | 4.75% | 1.72% | 3.25% | 8.37% | 1.76% |
| Q2 2025 | 4.87% | 1.68% | 3.42% | 8.24% | 1.82% |
| Q3 2025 | 5.14% | 1.67% | 3.59% | 8.28% | 1.78% |
| Q4 2025 | 5.03% | 1.70% | 3.43% | 7.98% | 1.80% |
| Q1 2026 | 5.35% | 1.66% | 3.78% | 8.38% | 1.78% |
| Q2 2026 | 5.42% | 1.78% | 3.73% | 8.16% | 1.79% |
The Granger 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 The Granger 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 The Granger National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3232) · FFIEC NIC profile (RSSD 272151)