NexBank: 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, Yield on securities rose 0.62 percentage points in Q2 2026 to 5.61%, the biggest move on this page. NexBank has the 9th lowest net interest margin of the 345 banks headquartered in Texas, at 2.42% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.59% on net interest margin. NexBank sits 1.17 points lower, at 2.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 4.79% |
| Yield on securities | 5.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 3.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.42% |
| Yield to cost spread | 1.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $111.4M |
| Total interest expense | $79.5M |
| Interest expense on deposits | $63.3M |
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 | 5.29% | 3.85% | 1.57% | 4.98% | 5.93% |
| Q4 2023 | 5.62% | 4.07% | 1.68% | 5.39% | 6.15% |
| Q1 2024 | 5.66% | 4.15% | 1.67% | 5.51% | 6.04% |
| Q2 2024 | 5.60% | 3.98% | 1.74% | 5.40% | 6.02% |
| Q3 2024 | 5.39% | 3.99% | 1.85% | 5.12% | 6.07% |
| Q4 2024 | 5.16% | 3.11% | 2.23% | 4.90% | 5.83% |
| Q1 2025 | 5.20% | 3.17% | 2.17% | 5.13% | 5.31% |
| Q2 2025 | 5.32% | 3.03% | 2.38% | 5.26% | 5.43% |
| Q3 2025 | 5.07% | 2.75% | 2.42% | 5.00% | 5.32% |
| Q4 2025 | 4.97% | 2.77% | 2.29% | 4.87% | 5.19% |
| Q1 2026 | 5.07% | 2.84% | 2.32% | 5.10% | 4.99% |
| Q2 2026 | 4.97% | 2.60% | 2.42% | 4.79% | 5.61% |
NexBank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock NexBank, 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 NexBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29209) · FFIEC NIC profile (RSSD 652874)