Inwood National 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.
Net interest margin rose 0.22 percentage points from Q1 2026 to Q2 2026, ending at 3.05% against 2.83%. It was the largest change among the key lines on this page. Inwood National Bank ranks 310th of 345 Texas banks on net interest margin, in the lower half at 3.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Inwood National Bank sits 0.66 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.5M |
| Total interest expense | $16.5M |
| Interest expense on deposits | $15.9M |
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 |
|---|---|---|---|
| Q3 2023 | 3.91% | 1.86% | 1.75% |
| Q4 2023 | 4.09% | 2.16% | 1.67% |
| Q1 2024 | 4.10% | 2.17% | 1.67% |
| Q2 2024 | 4.19% | 2.32% | 1.62% |
| Q3 2024 | 4.35% | 2.35% | 1.74% |
| Q4 2024 | 4.33% | 2.13% | 1.98% |
| Q1 2025 | 4.25% | 1.84% | 2.19% |
| Q2 2025 | 4.33% | 1.77% | 2.35% |
| Q3 2025 | 4.47% | 1.77% | 2.52% |
| Q4 2025 | 4.61% | 1.57% | 2.86% |
| Q1 2026 | 4.41% | 1.66% | 2.83% |
| Q2 2026 | 4.61% | 1.71% | 3.05% |
Inwood National 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 Inwood National 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 Inwood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19080) · FFIEC NIC profile (RSSD 913753)