Greater State 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.22 percentage points to 6.15%. Among 345 Texas banks, Greater State Bank sits 10th from the top on net interest margin, 6.15% as of Q2 2026. Greater State Bank's net interest margin of 6.15% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.20 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.69% |
| Yield on loans | 8.50% |
| Yield on securities | 1.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.15% |
| Yield to cost spread | 5.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $642K |
| Interest expense on deposits | $642K |
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 | 5.94% | 1.17% | 4.83% | 7.04% | 1.42% |
| Q4 2023 | 6.28% | 1.46% | 4.90% | 7.31% | 1.38% |
| Q1 2024 | 6.59% | 1.74% | 4.95% | 7.60% | 1.38% |
| Q2 2024 | 6.60% | 1.94% | 4.76% | 7.53% | 1.32% |
| Q3 2024 | 6.84% | 2.05% | 4.89% | 7.86% | 1.40% |
| Q4 2024 | 6.80% | 1.96% | 5.00% | 8.02% | 1.46% |
| Q1 2025 | 6.81% | 1.71% | 5.19% | 8.00% | 1.49% |
| Q2 2025 | 7.26% | 1.71% | 5.63% | 8.31% | 1.49% |
| Q3 2025 | 7.47% | 1.80% | 5.78% | 8.61% | 1.47% |
| Q4 2025 | 7.56% | 1.57% | 6.09% | 8.71% | 1.27% |
| Q1 2026 | 7.44% | 1.58% | 5.93% | 8.37% | 1.19% |
| Q2 2026 | 7.69% | 1.60% | 6.15% | 8.50% | 1.06% |
Greater State 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 Greater State 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 Greater State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31762) · FFIEC NIC profile (RSSD 518877)