Lone Star 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.73% to 3.81%, the largest move among the key lines here. Lone Star National Bank ranks 224th of 345 Texas banks on net interest margin, in the lower half at 3.81% (Q2 2026). At 3.81%, Lone Star National Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.66% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.0M |
| Total interest expense | $11.2M |
| Interest expense on deposits | $11.2M |
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 | 4.82% | 1.25% | 3.62% | 6.28% | 2.83% |
| Q4 2023 | 5.00% | 1.42% | 3.63% | 6.54% | 2.86% |
| Q1 2024 | 5.04% | 1.52% | 3.55% | 6.58% | 2.92% |
| Q2 2024 | 5.27% | 1.61% | 3.71% | 6.95% | 2.87% |
| Q3 2024 | 5.42% | 1.66% | 3.81% | 7.21% | 2.86% |
| Q4 2024 | 5.27% | 1.74% | 3.59% | 6.92% | 2.84% |
| Q1 2025 | 5.14% | 1.70% | 3.50% | 6.68% | 2.94% |
| Q2 2025 | 5.26% | 1.70% | 3.63% | 6.84% | 3.03% |
| Q3 2025 | 5.41% | 1.68% | 3.77% | 6.97% | 3.22% |
| Q4 2025 | 5.37% | 1.57% | 3.86% | 6.94% | 3.22% |
| Q1 2026 | 5.16% | 1.47% | 3.73% | 6.69% | 3.22% |
| Q2 2026 | 5.20% | 1.46% | 3.81% | 6.66% | 3.35% |
Lone Star 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 Lone Star 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 Lone Star National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24347) · FFIEC NIC profile (RSSD 842460)