McBank: 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, Total interest expense edged down by 1.0%, from $1.6M to $1.6M, the largest move among the key lines here. Within Texas, McBank is 277th of 345 on net interest margin, 3.37% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. McBank sits 0.57 points lower, at 3.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 6.88% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 5.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.37% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 4.45% | 0.98% | 3.53% | 6.50% | 2.74% |
| Q4 2023 | 4.65% | 1.30% | 3.44% | 6.72% | 2.75% |
| Q1 2024 | 4.67% | 1.32% | 3.44% | 6.75% | 2.78% |
| Q2 2024 | 4.57% | 1.43% | 3.23% | 6.79% | 2.49% |
| Q3 2024 | 4.81% | 1.63% | 3.30% | 7.00% | 2.77% |
| Q4 2024 | 4.77% | 1.57% | 3.34% | 6.93% | 2.77% |
| Q1 2025 | 4.87% | 1.49% | 3.49% | 7.01% | 2.78% |
| Q2 2025 | 4.89% | 1.48% | 3.52% | 6.94% | 2.73% |
| Q3 2025 | 4.98% | 1.63% | 3.44% | 7.17% | 2.76% |
| Q4 2025 | 5.05% | 1.63% | 3.52% | 7.28% | 2.86% |
| Q1 2026 | 4.80% | 1.51% | 3.37% | 6.93% | 2.82% |
| Q2 2026 | 4.78% | 1.50% | 3.37% | 6.88% | 2.82% |
McBank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock McBank, 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 McBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15669) · FFIEC NIC profile (RSSD 522753)