Guadalupe 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.
Compared with Q1 2026, Net interest margin rose 0.18 percentage points in Q2 2026 to 5.31%, the biggest move on this page. On net interest margin, Guadalupe Bank ranks 25th highest among the 345 banks headquartered in Texas, at 5.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Guadalupe Bank sits 1.36 points higher, at 5.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.31% |
| Yield to cost spread | 4.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $677K |
| Interest expense on deposits | $677K |
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 |
|---|---|---|---|
| Q3 2023 | 5.69% | 1.20% | 4.53% |
| Q4 2023 | 5.76% | 1.26% | 4.55% |
| Q1 2024 | 5.88% | 1.29% | 4.65% |
| Q2 2024 | 6.06% | 1.48% | 4.67% |
| Q3 2024 | 6.25% | 1.60% | 4.73% |
| Q4 2024 | 6.34% | 1.45% | 4.98% |
| Q1 2025 | 6.34% | 1.31% | 5.09% |
| Q2 2025 | 6.32% | 1.26% | 5.14% |
| Q3 2025 | 6.45% | 1.29% | 5.25% |
| Q4 2025 | 6.25% | 1.33% | 5.03% |
| Q1 2026 | 6.31% | 1.26% | 5.13% |
| Q2 2026 | 6.41% | 1.18% | 5.31% |
Guadalupe 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 Guadalupe 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 Guadalupe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58768) · FFIEC NIC profile (RSSD 3635551)