Lamar 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.
The standout move of Q2 2026 was in Cost of borrowings: 4.28 percentage points lower than in Q1 2026, at 0.00%. Lamar National Bank ranks 143rd of 345 Texas banks on net interest margin, in the upper half at 4.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Lamar National Bank sits 0.32 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 |
|---|---|---|---|
| Q3 2023 | 5.81% | 1.71% | 4.13% |
| Q4 2023 | 5.09% | 1.76% | 3.35% |
| Q1 2024 | 5.17% | 1.76% | 3.42% |
| Q2 2024 | 6.34% | 1.84% | 4.52% |
| Q3 2024 | 5.78% | 2.06% | 3.77% |
| Q4 2024 | 5.72% | 1.79% | 3.98% |
| Q1 2025 | 5.81% | 1.69% | 4.19% |
| Q2 2025 | 5.97% | 1.82% | 4.22% |
| Q3 2025 | 5.88% | 1.86% | 4.21% |
| Q4 2025 | 5.81% | 1.71% | 4.14% |
| Q1 2026 | 5.69% | 1.82% | 4.08% |
| Q2 2026 | 5.88% | 1.74% | 4.27% |
Lamar 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 Lamar 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 Lamar National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23597) · FFIEC NIC profile (RSSD 2161)