Moody 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.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 3.53%, the biggest move on this page. Moody National Bank ranks 264th of 345 Texas banks on net interest margin, in the lower half at 3.53% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Moody National Bank sits 0.18 points lower, at 3.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.31% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.0M |
| Total interest expense | $7.2M |
| Interest expense on deposits | $7.2M |
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 | 4.97% | 2.30% | 2.75% | 6.10% | 2.20% |
| Q4 2023 | 5.04% | 3.00% | 2.14% | 6.07% | 2.31% |
| Q1 2024 | 5.11% | 2.67% | 2.51% | 6.21% | 2.24% |
| Q2 2024 | 5.39% | 2.76% | 2.70% | 6.51% | 2.26% |
| Q3 2024 | 5.24% | 2.82% | 2.49% | 6.34% | 2.25% |
| Q4 2024 | 5.04% | 2.46% | 2.62% | 6.19% | 1.48% |
| Q1 2025 | 5.25% | 2.36% | 2.88% | 6.18% | 2.37% |
| Q2 2025 | 5.47% | 2.45% | 3.05% | 6.42% | 2.36% |
| Q3 2025 | 5.43% | 2.48% | 3.00% | 6.45% | 2.40% |
| Q4 2025 | 5.40% | 2.34% | 3.17% | 6.40% | 2.50% |
| Q1 2026 | 5.23% | 2.01% | 3.32% | 6.15% | 2.54% |
| Q2 2026 | 5.45% | 2.05% | 3.53% | 6.31% | 2.59% |
Moody 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 Moody 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 Moody National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3210) · FFIEC NIC profile (RSSD 253356)