Junction 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.17% to 3.28%, the largest move among the key lines here. Within Texas, Junction National Bank is 291st of 345 on net interest margin, 3.28% as of Q2 2026, below the middle of the field. Junction National Bank reported 3.28% on net interest margin for Q2 2026, 0.61 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.09% |
| Yield on loans | 7.15% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $381K |
| Total interest expense | $189K |
| Interest expense on deposits | $189K |
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 | 3.41% | 0.19% | 3.24% | 6.42% | 2.00% |
| Q4 2023 | 3.63% | 0.34% | 3.33% | 6.54% | 2.00% |
| Q1 2024 | 3.53% | 0.40% | 3.15% | 6.55% | 2.06% |
| Q2 2024 | 3.74% | 0.68% | 3.13% | 6.68% | 2.12% |
| Q3 2024 | 3.74% | 0.87% | 2.96% | 6.96% | 2.17% |
| Q4 2024 | 3.90% | 0.85% | 3.13% | 7.14% | 2.25% |
| Q1 2025 | 3.78% | 0.78% | 3.06% | 7.02% | 2.34% |
| Q2 2025 | 3.99% | 0.85% | 3.21% | 7.11% | 2.45% |
| Q3 2025 | 3.96% | 0.84% | 3.19% | 7.23% | 2.58% |
| Q4 2025 | 4.14% | 0.84% | 3.37% | 7.22% | 2.86% |
| Q1 2026 | 3.91% | 0.80% | 3.17% | 7.03% | 2.87% |
| Q2 2026 | 4.09% | 0.89% | 3.28% | 7.15% | 2.84% |
Junction 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 Junction 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 Junction National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15078) · FFIEC NIC profile (RSSD 741152)