Lexicon 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, Yield on loans rose 0.58 percentage points in Q2 2026 to 7.25%, the biggest move on this page. Within Nevada, Lexicon Bank is 5th of 14 on net interest margin, 4.35% as of Q2 2026. Lexicon Bank reported 4.35% on net interest margin for Q2 2026, 0.41 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 7.25% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.94% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $982K |
| Interest expense on deposits | $982K |
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 | 5.14% | 1.60% | 3.70% | 5.53% | 2.82% |
| Q4 2023 | 5.30% | 1.58% | 3.84% | 5.76% | 2.77% |
| Q1 2024 | 5.39% | 1.72% | 3.77% | 5.90% | 2.52% |
| Q2 2024 | 5.42% | 1.93% | 3.64% | 5.88% | 2.49% |
| Q3 2024 | 5.62% | 1.78% | 3.99% | 6.23% | 2.36% |
| Q4 2024 | 5.38% | 1.51% | 3.97% | 6.15% | 2.26% |
| Q1 2025 | 5.18% | 1.27% | 3.94% | 6.14% | 2.65% |
| Q2 2025 | 5.18% | 1.17% | 4.03% | 6.31% | 2.63% |
| Q3 2025 | 5.16% | 1.07% | 4.26% | 6.62% | 2.61% |
| Q4 2025 | 5.11% | 0.89% | 4.33% | 6.63% | 2.96% |
| Q1 2026 | 5.03% | 0.81% | 4.29% | 6.67% | 2.44% |
| Q2 2026 | 5.23% | 0.94% | 4.35% | 7.25% | 2.57% |
Lexicon 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 Lexicon 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 Lexicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59117) · FFIEC NIC profile (RSSD 5412457)