Johnson City 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.21 percentage points between Q1 2026 and Q2 2026, to 6.61%. Johnson City Bank ranks 196th of 345 Texas banks on net interest margin, in the lower half at 4.02% (Q2 2026). At 4.02%, Johnson City 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 | 5.32% |
| Yield on loans | 6.61% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $473K |
| Interest expense on deposits | $473K |
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 | 5.09% | 1.09% | 4.11% | 5.80% | 2.17% |
| Q4 2023 | 5.10% | 1.28% | 3.95% | 5.82% | 2.03% |
| Q1 2024 | 4.80% | 1.43% | 3.58% | 5.95% | 1.42% |
| Q2 2024 | 5.33% | 1.59% | 3.89% | 5.99% | 2.29% |
| Q3 2024 | 5.42% | 1.67% | 3.92% | 6.17% | 2.34% |
| Q4 2024 | 5.39% | 1.61% | 3.97% | 6.23% | 2.61% |
| Q1 2025 | 5.27% | 1.49% | 3.95% | 6.17% | 2.75% |
| Q2 2025 | 5.34% | 1.50% | 4.00% | 6.26% | 2.85% |
| Q3 2025 | 5.37% | 1.51% | 4.04% | 6.34% | 2.96% |
| Q4 2025 | 5.33% | 1.46% | 4.06% | 6.44% | 2.95% |
| Q1 2026 | 5.25% | 1.38% | 3.99% | 6.40% | 2.92% |
| Q2 2026 | 5.32% | 1.46% | 4.02% | 6.61% | 3.06% |
Johnson City 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 Johnson City 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 Johnson City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16176) · FFIEC NIC profile (RSSD 977652)