Kleberg Bank, N.A.: 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 Cost of borrowings: 3.51 percentage points higher than in Q1 2026, at 3.51%. Within Texas, Kleberg Bank, N.A. is 111th of 345 on net interest margin, 4.49% as of Q2 2026, above the middle of the field. Kleberg Bank, N.A. reported 4.49% on net interest margin for Q2 2026, 0.54 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.70% |
| Yield on securities | 2.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | 3.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.67% | 1.09% | 3.61% | 5.99% | 2.06% |
| Q4 2023 | 4.86% | 1.24% | 3.67% | 6.09% | 1.99% |
| Q1 2024 | 4.84% | 1.29% | 3.60% | 6.07% | 2.08% |
| Q2 2024 | 4.92% | 1.29% | 3.68% | 6.20% | 2.06% |
| Q3 2024 | 5.10% | 1.26% | 3.88% | 6.40% | 2.05% |
| Q4 2024 | 5.20% | 1.27% | 3.98% | 6.40% | 2.04% |
| Q1 2025 | 5.16% | 1.31% | 3.90% | 6.30% | 2.08% |
| Q2 2025 | 5.26% | 1.32% | 3.98% | 6.42% | 2.05% |
| Q3 2025 | 5.41% | 1.32% | 4.13% | 6.59% | 2.02% |
| Q4 2025 | 5.49% | 1.29% | 4.26% | 6.67% | 1.98% |
| Q1 2026 | 5.37% | 1.18% | 4.23% | 6.48% | 1.99% |
| Q2 2026 | 5.59% | 1.15% | 4.49% | 6.70% | 2.00% |
Kleberg Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kleberg Bank, N.A., 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 Kleberg Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3286) · FFIEC NIC profile (RSSD 556459)