Muenster 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.49% to 3.61%, the largest move among the key lines here. Within Texas, Muenster State Bank is 253rd of 345 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Muenster State Bank sits 0.34 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 7.39% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $591K |
| Interest expense on deposits | $525K |
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 | 3.63% | 0.91% | 2.82% | 6.46% | 2.31% |
| Q4 2023 | 3.91% | 1.05% | 2.98% | 6.94% | 2.41% |
| Q1 2024 | 4.05% | 1.16% | 2.99% | 7.09% | 2.48% |
| Q2 2024 | 4.13% | 1.26% | 3.00% | 7.25% | 2.53% |
| Q3 2024 | 4.22% | 1.28% | 3.09% | 7.36% | 2.54% |
| Q4 2024 | 4.25% | 1.17% | 3.21% | 7.25% | 2.65% |
| Q1 2025 | 4.32% | 1.12% | 3.30% | 7.26% | 2.81% |
| Q2 2025 | 4.40% | 1.26% | 3.27% | 7.33% | 2.86% |
| Q3 2025 | 4.64% | 1.28% | 3.51% | 7.52% | 2.90% |
| Q4 2025 | 4.65% | 1.32% | 3.49% | 7.59% | 2.94% |
| Q1 2026 | 4.61% | 1.24% | 3.49% | 7.35% | 2.95% |
| Q2 2026 | 4.67% | 1.20% | 3.61% | 7.39% | 3.04% |
Muenster 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 Muenster 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 Muenster State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15523) · FFIEC NIC profile (RSSD 765662)