Lea County State 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 6.2% in Q2 2026 to $1.5M, the biggest move on this page. Lea County State Bank ranks 21st of 29 New Mexico banks on net interest margin, in the lower half at 4.03% (Q2 2026). At 4.03%, Lea County State Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 7.68% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.88% |
| Cost of interest-bearing deposits | 1.31% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | 0.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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% | 1.13% | 3.36% | 7.10% | 3.16% |
| Q4 2023 | 4.92% | 1.38% | 3.34% | 7.45% | 3.32% |
| Q1 2024 | 5.03% | 1.59% | 3.54% | 7.67% | 3.47% |
| Q2 2024 | 5.30% | 1.57% | 3.81% | 8.07% | 3.73% |
| Q3 2024 | 5.22% | 1.69% | 3.64% | 8.15% | 3.62% |
| Q4 2024 | 5.10% | 1.61% | 3.57% | 8.21% | 3.47% |
| Q1 2025 | 5.12% | 1.34% | 3.86% | 8.35% | 3.43% |
| Q2 2025 | 4.92% | 1.35% | 3.65% | 7.77% | 3.46% |
| Q3 2025 | 4.93% | 1.22% | 3.81% | 7.89% | 3.50% |
| Q4 2025 | 5.11% | 1.03% | 4.14% | 8.42% | 3.57% |
| Q1 2026 | 4.74% | 0.85% | 3.94% | 7.42% | 3.49% |
| Q2 2026 | 4.85% | 0.88% | 4.03% | 7.68% | 3.54% |
Lea County State 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 Lea County State 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 Lea County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12259) · FFIEC NIC profile (RSSD 1015252)