The National Bank of Andrews: 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, Yield on securities edged up by 0.14 percentage points, from 2.64% to 2.78%, the largest move among the key lines here. The National Bank of Andrews ranks 44th of 345 Texas banks on net interest margin, in the upper half at 5.05% (Q2 2026). The National Bank of Andrews reported 5.05% on net interest margin for Q2 2026, 1.10 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 7.36% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.05% |
| Yield to cost spread | 4.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $921K |
| Interest expense on deposits | $921K |
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 | 6.23% | 0.46% | 5.79% | 7.80% | 2.11% |
| Q4 2023 | 6.31% | 0.58% | 5.76% | 7.78% | 2.06% |
| Q1 2024 | 6.36% | 0.67% | 5.69% | 7.87% | 2.02% |
| Q2 2024 | 6.78% | 0.66% | 6.14% | 8.19% | 2.08% |
| Q3 2024 | 7.03% | 0.76% | 6.31% | 8.33% | 2.08% |
| Q4 2024 | 6.72% | 0.79% | 5.97% | 7.93% | 2.09% |
| Q1 2025 | 6.71% | 0.89% | 5.86% | 7.88% | 2.12% |
| Q2 2025 | 6.83% | 0.89% | 5.99% | 7.86% | 1.99% |
| Q3 2025 | 6.88% | 1.09% | 5.85% | 8.04% | 2.18% |
| Q4 2025 | 6.37% | 1.18% | 5.24% | 7.51% | 2.61% |
| Q1 2026 | 6.24% | 1.27% | 5.02% | 7.42% | 2.64% |
| Q2 2026 | 6.24% | 1.25% | 5.05% | 7.36% | 2.78% |
The National Bank of Andrews 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 National Bank of Andrews, 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 National Bank of Andrews profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17603) · FFIEC NIC profile (RSSD 488653)