Harmony 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.
Total interest expense climbed 14.8% in Q2 2026, from $2.9M to $3.3M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Harmony Bank is 62nd of 345 on net interest margin, 4.84% as of Q2 2026. Harmony Bank reported 4.84% on net interest margin for Q2 2026, 0.90 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.50% |
| Yield on loans | 7.35% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.84% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.3M |
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% | 1.77% | 4.28% | 6.66% | 2.79% |
| Q4 2023 | 6.09% | 2.05% | 4.19% | 6.87% | 2.92% |
| Q1 2024 | 6.24% | 2.29% | 4.11% | 7.08% | 2.99% |
| Q2 2024 | 6.48% | 2.79% | 3.90% | 7.37% | 3.02% |
| Q3 2024 | 6.70% | 3.01% | 3.89% | 7.53% | 2.99% |
| Q4 2024 | 6.67% | 2.68% | 4.18% | 7.44% | 2.83% |
| Q1 2025 | 6.71% | 2.17% | 4.69% | 7.38% | 2.83% |
| Q2 2025 | 6.90% | 2.21% | 4.82% | 7.57% | 2.99% |
| Q3 2025 | 6.89% | 2.12% | 4.91% | 7.57% | 3.06% |
| Q4 2025 | 6.84% | 1.96% | 5.03% | 7.57% | 3.00% |
| Q1 2026 | 6.62% | 1.68% | 5.08% | 7.36% | 2.98% |
| Q2 2026 | 6.50% | 1.80% | 4.84% | 7.35% | 3.15% |
Harmony 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 Harmony 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 Harmony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57922) · FFIEC NIC profile (RSSD 3297490)