Lovelady 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.
Net interest margin climbed 0.42 percentage points in Q2 2026, from 4.11% to 4.53%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Lovelady State Bank is 107th of 345 on net interest margin, 4.53% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Lovelady State Bank sits 0.65 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 7.93% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $467K |
| Total interest expense | $125K |
| Interest expense on deposits | $125K |
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 | 5.33% | 0.54% | 4.82% | 7.29% | 1.68% |
| Q4 2023 | 5.39% | 0.63% | 4.80% | 7.31% | 1.65% |
| Q1 2024 | 5.67% | 0.72% | 4.97% | 7.34% | 1.60% |
| Q2 2024 | 5.80% | 0.81% | 5.06% | 7.70% | 1.47% |
| Q3 2024 | 5.68% | 0.92% | 4.83% | 7.55% | 1.44% |
| Q4 2024 | 5.90% | 1.11% | 4.84% | 7.64% | 1.54% |
| Q1 2025 | 5.29% | 1.15% | 4.23% | 7.26% | 1.61% |
| Q2 2025 | 5.42% | 1.10% | 4.40% | 7.43% | 1.85% |
| Q3 2025 | 5.76% | 1.09% | 4.77% | 8.15% | 1.97% |
| Q4 2025 | 5.34% | 1.12% | 4.33% | 7.43% | 2.48% |
| Q1 2026 | 5.16% | 1.15% | 4.11% | 7.34% | 2.57% |
| Q2 2026 | 5.54% | 1.11% | 4.53% | 7.93% | 2.66% |
Lovelady 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 Lovelady 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 Lovelady State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21807) · FFIEC NIC profile (RSSD 764151)