The Mint 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.6% to $2.4M. The Mint National Bank ranks 64th of 345 Texas banks on net interest margin, in the upper half at 4.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Mint National Bank sits 0.88 points higher, at 4.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.30% |
| Yield on loans | 8.02% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.06% |
| Cost of interest-bearing deposits | 3.35% |
| Cost of interest-bearing liabilities | 3.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 |
|---|---|---|---|---|
| Q3 2023 | 7.70% | 3.85% | 4.48% | 8.28% |
| Q4 2023 | 8.00% | 4.22% | 4.48% | 8.62% |
| Q1 2024 | 7.94% | 4.32% | 4.32% | 8.47% |
| Q2 2024 | 7.91% | 4.42% | 4.22% | 8.53% |
| Q3 2024 | 8.00% | 4.35% | 4.36% | 8.56% |
| Q4 2024 | 7.91% | 4.11% | 4.52% | 8.63% |
| Q1 2025 | 7.60% | 3.84% | 4.40% | 8.57% |
| Q2 2025 | 8.00% | 3.59% | 4.96% | 8.69% |
| Q3 2025 | 7.94% | 3.60% | 4.97% | 8.65% |
| Q4 2025 | 7.55% | 3.45% | 4.75% | 8.30% |
| Q1 2026 | 7.36% | 3.07% | 4.84% | 8.19% |
| Q2 2026 | 7.30% | 3.06% | 4.83% | 8.02% |
The Mint 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 The Mint 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 The Mint National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58764) · FFIEC NIC profile (RSSD 3821626)