Legend 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.
Total interest expense rose 3.0% from Q1 2026 to Q2 2026, ending at $4.8M against $4.6M. It was the largest change among the key lines on this page. Within Texas, Legend Bank, N. A. is 80th of 345 on net interest margin, 4.72% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Legend Bank, N. A. sits 1.01 points higher, at 4.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 7.59% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.72% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.6M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.8M |
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 | 5.35% | 1.33% | 4.09% | 6.61% | 2.36% |
| Q4 2023 | 5.61% | 1.58% | 4.13% | 6.87% | 2.51% |
| Q1 2024 | 5.84% | 1.70% | 4.24% | 7.14% | 2.31% |
| Q2 2024 | 6.04% | 1.75% | 4.41% | 7.28% | 2.20% |
| Q3 2024 | 5.91% | 1.81% | 4.21% | 7.13% | 2.26% |
| Q4 2024 | 6.18% | 1.85% | 4.44% | 7.46% | 2.43% |
| Q1 2025 | 6.14% | 1.82% | 4.43% | 7.39% | 2.40% |
| Q2 2025 | 6.12% | 1.83% | 4.39% | 7.48% | 2.43% |
| Q3 2025 | 6.23% | 1.84% | 4.49% | 7.61% | 2.75% |
| Q4 2025 | 6.22% | 1.79% | 4.54% | 7.51% | 3.01% |
| Q1 2026 | 6.37% | 1.70% | 4.76% | 7.57% | 3.10% |
| Q2 2026 | 6.33% | 1.71% | 4.72% | 7.59% | 3.18% |
Legend 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 Legend 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 Legend Bank, N. A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3108) · FFIEC NIC profile (RSSD 100357)