Menard 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 rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 3.08% against 2.83%. It was the largest change among the key lines on this page. Menard Bank ranks 307th of 345 Texas banks on net interest margin, in the lower half at 3.08% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Menard Bank sits 0.79 points lower, at 3.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.81% |
| Yield on loans | 7.14% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.81% |
| Cost of interest-bearing deposits | 1.09% |
| Cost of interest-bearing liabilities | 1.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $226K |
| Total interest expense | $159K |
| Interest expense on deposits | $159K |
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 | 3.20% | 1.24% | 2.06% | 5.45% | 2.60% |
| Q4 2023 | 3.37% | 1.39% | 2.05% | 5.63% | 2.73% |
| Q1 2024 | 3.19% | 1.38% | 1.80% | 5.83% | 2.65% |
| Q2 2024 | 3.64% | 1.49% | 2.14% | 6.12% | 3.02% |
| Q3 2024 | 3.46% | 1.44% | 2.05% | 6.61% | 2.63% |
| Q4 2024 | 4.05% | 1.07% | 3.01% | 6.73% | 3.33% |
| Q1 2025 | 3.53% | 0.94% | 2.61% | 6.43% | 3.09% |
| Q2 2025 | 3.77% | 0.96% | 2.83% | 6.65% | 3.04% |
| Q3 2025 | 3.76% | 0.93% | 2.87% | 6.76% | 3.07% |
| Q4 2025 | 3.65% | 0.76% | 2.96% | 6.92% | 2.96% |
| Q1 2026 | 3.49% | 0.73% | 2.83% | 6.71% | 2.98% |
| Q2 2026 | 3.81% | 0.81% | 3.08% | 7.14% | 3.07% |
Menard 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 Menard 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 Menard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3336) · FFIEC NIC profile (RSSD 375650)