Incommons Bank, N.A.: 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.
Yield on securities rose 0.34 percentage points from Q1 2026 to Q2 2026, ending at 3.00% against 2.66%. It was the largest change among the key lines on this page. Within Texas, Incommons Bank, N.A. is 88th of 345 on net interest margin, 4.67% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Incommons Bank, N.A. sits 0.72 points higher, at 4.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | 7.62% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 4.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.67% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 5.79% | 2.10% | 3.72% | 6.76% | 2.59% |
| Q4 2023 | 6.16% | 2.28% | 3.93% | 7.06% | 2.70% |
| Q1 2024 | 6.27% | 2.47% | 3.84% | 7.32% | 2.75% |
| Q2 2024 | 6.42% | 2.46% | 4.03% | 7.36% | 2.81% |
| Q3 2024 | 6.60% | 2.66% | 3.99% | 7.62% | 2.85% |
| Q4 2024 | 6.58% | 2.35% | 4.33% | 7.75% | 2.97% |
| Q1 2025 | 6.47% | 2.12% | 4.40% | 7.47% | 2.90% |
| Q2 2025 | 6.65% | 2.16% | 4.55% | 7.66% | 2.88% |
| Q3 2025 | 6.91% | 2.30% | 4.70% | 7.84% | 2.90% |
| Q4 2025 | 6.91% | 2.25% | 4.75% | 7.82% | 2.85% |
| Q1 2026 | 6.69% | 2.14% | 4.66% | 7.71% | 2.66% |
| Q2 2026 | 6.67% | 2.11% | 4.67% | 7.62% | 3.00% |
Incommons Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Incommons Bank, N.A., 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 Incommons Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3342) · FFIEC NIC profile (RSSD 414858)