Lakeside 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 rose 6.3% in Q2 2026 to $2.4M, the biggest move on this page. Within Texas, Lakeside Bank is 234th of 345 on net interest margin, 3.76% as of Q2 2026, below the middle of the field. Lakeside Bank reported 3.76% on net interest margin for Q2 2026, 0.19 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 7.26% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 3.32% |
| Cost of interest-bearing liabilities | 3.25% |
| Cost of borrowings | 2.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.54% | 2.76% | 4.00% | 8.24% |
| Q4 2023 | 6.76% | 3.10% | 3.95% | 7.46% |
| Q1 2024 | 6.22% | 3.21% | 3.39% | 7.22% |
| Q2 2024 | 6.58% | 3.68% | 3.31% | 7.27% |
| Q3 2024 | 6.44% | 3.82% | 3.09% | 7.45% |
| Q4 2024 | 6.60% | 2.97% | 3.66% | 7.65% |
| Q1 2025 | 6.31% | 3.01% | 3.79% | 7.28% |
| Q2 2025 | 6.51% | 3.22% | 3.85% | 7.33% |
| Q3 2025 | 6.04% | 3.25% | 3.21% | 7.43% |
| Q4 2025 | 6.93% | 3.34% | 3.67% | 7.41% |
| Q1 2026 | 6.02% | 2.46% | 3.65% | 7.28% |
| Q2 2026 | 6.27% | 2.62% | 3.76% | 7.26% |
Lakeside 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 Lakeside 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 Lakeside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21693) · FFIEC NIC profile (RSSD 32766)