The Lamesa 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.28%. The Lamesa National Bank ranks 291st of 345 Texas banks on net interest margin, in the lower half at 3.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Lamesa National Bank sits 0.67 points lower, at 3.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.41% |
| Yield on loans | 6.69% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $991K |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 3.01% | 1.29% | 1.85% | 6.57% | 2.08% |
| Q4 2023 | 3.16% | 1.40% | 1.89% | 6.83% | 2.01% |
| Q1 2024 | 3.32% | 1.41% | 2.04% | 6.65% | 2.15% |
| Q2 2024 | 3.29% | 1.49% | 1.94% | 6.79% | 2.26% |
| Q3 2024 | 3.57% | 1.56% | 2.17% | 6.85% | 2.46% |
| Q4 2024 | 4.26% | 1.55% | 2.84% | 6.86% | 3.20% |
| Q1 2025 | 4.23% | 1.45% | 2.93% | 6.70% | 3.58% |
| Q2 2025 | 4.36% | 1.43% | 3.08% | 6.76% | 3.67% |
| Q3 2025 | 4.49% | 1.41% | 3.24% | 6.88% | 3.83% |
| Q4 2025 | 4.45% | 1.37% | 3.25% | 6.78% | 3.97% |
| Q1 2026 | 4.33% | 1.27% | 3.19% | 6.62% | 3.94% |
| Q2 2026 | 4.41% | 1.27% | 3.28% | 6.69% | 4.07% |
The Lamesa 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 The Lamesa 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 The Lamesa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3292) · FFIEC NIC profile (RSSD 623052)