Homebank Texas: 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 0.13 percentage points in Q2 2026 to 4.75%, the biggest move on this page. Homebank Texas ranks 74th of 345 Texas banks on net interest margin, in the upper half at 4.75% (Q2 2026). Homebank Texas reported 4.75% on net interest margin for Q2 2026, 0.80 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 7.25% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.75% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 5.75% | 1.40% | 4.47% | 6.02% | 2.47% |
| Q4 2023 | 5.97% | 1.65% | 4.50% | 6.24% | 2.69% |
| Q1 2024 | 6.06% | 2.05% | 4.20% | 6.35% | 2.47% |
| Q2 2024 | 6.26% | 1.98% | 4.46% | 6.56% | 2.51% |
| Q3 2024 | 6.35% | 2.08% | 4.43% | 6.70% | 2.54% |
| Q4 2024 | 6.34% | 2.16% | 4.34% | 6.76% | 3.12% |
| Q1 2025 | 6.26% | 2.11% | 4.26% | 6.75% | 2.61% |
| Q2 2025 | 6.34% | 1.97% | 4.52% | 6.80% | 2.62% |
| Q3 2025 | 6.44% | 1.98% | 4.59% | 6.94% | 2.67% |
| Q4 2025 | 6.50% | 1.93% | 4.72% | 7.08% | 3.34% |
| Q1 2026 | 6.30% | 1.82% | 4.62% | 7.05% | 2.73% |
| Q2 2026 | 6.41% | 1.80% | 4.75% | 7.25% | 2.71% |
Homebank Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homebank Texas, 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 Homebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17094) · FFIEC NIC profile (RSSD 522669)