Herring 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: Total interest expense edged up 2.2% between Q1 2026 and Q2 2026, to $1.5M. Among 345 Texas banks, Herring Bank sits 20th from the top on net interest margin, 5.51% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Herring Bank sits 1.57 points higher, at 5.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | 7.84% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.51% |
| Yield to cost spread | 4.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 6.53% | 1.01% | 5.52% | 7.10% | 3.24% |
| Q4 2023 | 6.70% | 1.21% | 5.53% | 7.35% | 2.96% |
| Q1 2024 | 6.77% | 1.46% | 5.35% | 7.38% | 2.77% |
| Q2 2024 | 6.65% | 1.50% | 5.21% | 7.34% | 2.99% |
| Q3 2024 | 6.73% | 1.50% | 5.33% | 7.56% | 3.10% |
| Q4 2024 | 6.85% | 1.47% | 5.48% | 7.84% | 3.17% |
| Q1 2025 | 6.53% | 1.45% | 5.17% | 7.55% | 3.15% |
| Q2 2025 | 6.72% | 1.39% | 5.40% | 7.73% | 3.28% |
| Q3 2025 | 6.94% | 1.39% | 5.64% | 7.97% | 3.21% |
| Q4 2025 | 7.02% | 1.34% | 5.76% | 8.03% | 3.22% |
| Q1 2026 | 6.70% | 1.27% | 5.51% | 7.83% | 3.21% |
| Q2 2026 | 6.67% | 1.24% | 5.51% | 7.84% | 3.27% |
Herring 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 Herring 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 Herring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5568) · FFIEC NIC profile (RSSD 610164)