The Jacksboro 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.
The standout move of Q2 2026 was in Total interest expense: 10.1% lower than in Q1 2026, at $934K. The Jacksboro National Bank ranks 200th of 345 Texas banks on net interest margin, in the lower half at 4.00% (Q2 2026). At 4.00%, The Jacksboro National Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 7.85% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $934K |
| Interest expense on deposits | $918K |
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 | 4.39% | 1.54% | 2.96% | 7.28% | 2.23% |
| Q4 2023 | 4.66% | 1.86% | 2.96% | 7.59% | 2.24% |
| Q1 2024 | 4.74% | 1.99% | 2.86% | 7.52% | 2.22% |
| Q2 2024 | 4.98% | 2.02% | 3.08% | 7.79% | 2.25% |
| Q3 2024 | 4.99% | 1.97% | 3.13% | 7.89% | 2.24% |
| Q4 2024 | 5.02% | 1.99% | 3.16% | 7.85% | 2.25% |
| Q1 2025 | 5.04% | 1.79% | 3.36% | 7.77% | 2.27% |
| Q2 2025 | 5.19% | 1.71% | 3.59% | 7.96% | 2.33% |
| Q3 2025 | 5.21% | 1.72% | 3.60% | 8.00% | 2.34% |
| Q4 2025 | 5.26% | 1.62% | 3.75% | 7.98% | 2.48% |
| Q1 2026 | 5.23% | 1.53% | 3.80% | 7.76% | 2.52% |
| Q2 2026 | 5.33% | 1.43% | 4.00% | 7.85% | 2.57% |
The Jacksboro 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 The Jacksboro 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 The Jacksboro National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3275) · FFIEC NIC profile (RSSD 924058)