Marion 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.17 percentage points between Q1 2026 and Q2 2026, to 7.10%. Marion State Bank ranks 262nd of 345 Texas banks on net interest margin, in the lower half at 3.54% (Q2 2026). Marion State Bank reported 3.54% on net interest margin for Q2 2026, 0.41 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $460K |
| Interest expense on deposits | $460K |
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 |
|---|---|---|---|
| Q3 2023 | 4.29% | 1.01% | 3.36% |
| Q4 2023 | 4.48% | 1.23% | 3.35% |
| Q1 2024 | 4.57% | 1.10% | 3.56% |
| Q2 2024 | 4.61% | 1.37% | 3.34% |
| Q3 2024 | 4.79% | 1.46% | 3.46% |
| Q4 2024 | 4.94% | 1.51% | 3.58% |
| Q1 2025 | 4.74% | 1.51% | 3.37% |
| Q2 2025 | 4.92% | 1.48% | 3.58% |
| Q3 2025 | 4.91% | 1.46% | 3.59% |
| Q4 2025 | 5.00% | 1.49% | 3.66% |
| Q1 2026 | 4.82% | 1.45% | 3.51% |
| Q2 2026 | 4.86% | 1.47% | 3.54% |
Marion 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 Marion 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 Marion State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15355) · FFIEC NIC profile (RSSD 484057)