National Bank & Trust: 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 0.27 percentage points in Q2 2026 to 2.98%, the biggest move on this page. On net interest margin, National Bank & Trust is 30th from the bottom among 345 Texas banks, 2.98% (Q2 2026). National Bank & Trust reported 2.98% on net interest margin for Q2 2026, 0.97 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.88% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 4.09% | 2.00% | 2.23% | 5.53% | 1.96% |
| Q4 2023 | 4.19% | 2.23% | 2.14% | 5.74% | 1.98% |
| Q1 2024 | 4.18% | 2.31% | 2.05% | 5.68% | 2.20% |
| Q2 2024 | 4.23% | 2.38% | 2.04% | 5.73% | 2.18% |
| Q3 2024 | 4.56% | 2.34% | 2.42% | 6.31% | 2.19% |
| Q4 2024 | 4.70% | 2.14% | 2.61% | 6.50% | 2.28% |
| Q1 2025 | 4.66% | 2.14% | 2.67% | 6.47% | 2.17% |
| Q2 2025 | 4.86% | 2.26% | 2.78% | 6.60% | 2.26% |
| Q3 2025 | 4.99% | 2.32% | 2.83% | 6.79% | 2.30% |
| Q4 2025 | 5.02% | 2.32% | 2.88% | 6.80% | 2.51% |
| Q1 2026 | 4.87% | 2.31% | 2.71% | 6.54% | 2.56% |
| Q2 2026 | 5.13% | 2.31% | 2.98% | 6.88% | 2.76% |
National Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank & Trust, 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 National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3289) · FFIEC NIC profile (RSSD 792659)