Jefferson 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.
Compared with Q1 2026, Total interest expense fell 7.4% in Q2 2026 to $9.4M, the biggest move on this page. Within Texas, Jefferson Bank is 231st of 345 on net interest margin, 3.78% as of Q2 2026. At 3.78%, Jefferson Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 6.19% |
| Yield on securities | 2.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.9M |
| Total interest expense | $9.4M |
| Interest expense on deposits | $9.4M |
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 | 4.33% | 1.65% | 2.29% | 5.64% | 1.88% |
| Q4 2023 | 4.50% | 1.79% | 2.31% | 5.78% | 1.88% |
| Q1 2024 | 4.60% | 1.85% | 2.35% | 5.82% | 1.91% |
| Q2 2024 | 4.78% | 1.90% | 2.48% | 6.01% | 1.94% |
| Q3 2024 | 4.94% | 1.92% | 2.62% | 6.11% | 1.98% |
| Q4 2024 | 4.99% | 1.70% | 2.93% | 6.15% | 1.95% |
| Q1 2025 | 4.97% | 1.49% | 3.14% | 6.02% | 1.97% |
| Q2 2025 | 5.11% | 1.42% | 3.37% | 6.18% | 1.99% |
| Q3 2025 | 5.22% | 1.45% | 3.47% | 6.28% | 2.02% |
| Q4 2025 | 5.22% | 1.39% | 3.53% | 6.29% | 2.07% |
| Q1 2026 | 5.09% | 1.25% | 3.56% | 6.10% | 2.11% |
| Q2 2026 | 5.22% | 1.19% | 3.78% | 6.19% | 2.12% |
Jefferson 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 Jefferson 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 Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16470) · FFIEC NIC profile (RSSD 45560)