North Dallas Bank & Trust Co.: 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.24 percentage points to 2.69%. North Dallas Bank & Trust Co. has the 18th lowest net interest margin of the 345 banks headquartered in Texas, at 2.69% as of Q2 2026. North Dallas Bank & Trust Co. reported 2.69% on net interest margin for Q2 2026, 1.02 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 5.45% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.76% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 4.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.69% |
| Yield to cost spread | 1.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.5M |
| Total interest expense | $9.4M |
| Interest expense on deposits | $8.7M |
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 | 3.89% | 1.82% | 1.84% | 4.92% | 1.17% |
| Q4 2023 | 4.10% | 2.01% | 1.87% | 5.08% | 1.15% |
| Q1 2024 | 4.29% | 2.17% | 1.90% | 5.38% | 1.12% |
| Q2 2024 | 4.39% | 2.27% | 1.93% | 5.31% | 1.24% |
| Q3 2024 | 4.49% | 2.40% | 1.89% | 5.46% | 1.32% |
| Q4 2024 | 4.52% | 2.24% | 2.05% | 5.36% | 1.37% |
| Q1 2025 | 4.41% | 2.10% | 2.09% | 5.30% | 1.29% |
| Q2 2025 | 4.60% | 2.13% | 2.28% | 5.40% | 1.40% |
| Q3 2025 | 4.81% | 2.13% | 2.48% | 5.72% | 1.59% |
| Q4 2025 | 4.70% | 2.07% | 2.45% | 5.48% | 1.78% |
| Q1 2026 | 4.63% | 1.99% | 2.45% | 5.37% | 2.05% |
| Q2 2026 | 4.83% | 1.95% | 2.69% | 5.45% | 2.38% |
North Dallas Bank & Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Dallas Bank & Trust Co., 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 North Dallas Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18355) · FFIEC NIC profile (RSSD 490450)