Houston Bank & Trust: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, Houston Bank & Trust reported 10 of the 12 line items on this page. It did not report yield on securities and cost of borrowings. Yield on earning assets was 4.15% in Q3 2026.
Yield on loans dropped 3.45 percentage points in Q3 2026, from 10.81% to 7.36%. It was the largest change from Q2 2026 among the key lines here. Within Texas, Houston Bank & Trust is 239th of 344 on net interest margin, 3.77% as of Q3 2026. Houston Bank & Trust reported 3.77% on net interest margin for Q3 2026, 0.18 points below the 3.95% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.15% |
| Yield on loans | 7.36% |
| Yield on securities | — |
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Funding costs
Cost of funds moved most in this table, down 1.35 points: 3.63% in Q2 2026, 2.28% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | — |
Spread and margin
Net interest margin changed the most here, up 0.55 points to 3.77% in Q3 2026 from 3.22% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 1.63% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $63K |
| Total interest expense | $38K |
| Interest expense on deposits | $38K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans |
|---|---|---|---|---|
| Q2 2026 | 3.43% | 3.63% | 3.22% | 10.81% |
| Q3 2026 | 4.15% | 2.28% | 3.77% | 7.36% |
Houston Bank & Trust yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Houston Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59360) · FFIEC NIC profile (RSSD 6051022)