One World 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.
The standout move of Q2 2026 was in Net interest margin: 0.52 percentage points higher than in Q1 2026, at 4.73%. One World Bank ranks 78th of 345 Texas banks on net interest margin, in the upper half at 4.73% (Q2 2026). One World Bank reported 4.73% on net interest margin for Q2 2026, 0.78 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.18% |
| Yield on loans | 7.97% |
| Yield on securities | 4.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 3.86% |
| Cost of interest-bearing liabilities | 3.79% |
| Cost of borrowings | 1.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 7.54% | 2.71% | 5.29% | 8.94% | 2.41% |
| Q4 2023 | 8.07% | 2.99% | 5.56% | 9.44% | 4.62% |
| Q1 2024 | 7.95% | 3.19% | 5.29% | 9.63% | 3.64% |
| Q2 2024 | 8.57% | 3.12% | 5.98% | 9.73% | 5.00% |
| Q3 2024 | 8.22% | 3.36% | 5.39% | 9.68% | 5.01% |
| Q4 2024 | 7.93% | 3.24% | 5.13% | 9.10% | 5.00% |
| Q1 2025 | 7.56% | 2.50% | 4.97% | 8.46% | 5.02% |
| Q2 2025 | 7.47% | 3.09% | 4.75% | 8.52% | 5.03% |
| Q3 2025 | 7.46% | 3.01% | 4.83% | 8.45% | 4.94% |
| Q4 2025 | 7.52% | 2.96% | 4.92% | 8.42% | 4.80% |
| Q1 2026 | 6.69% | 2.77% | 4.21% | 7.60% | 5.00% |
| Q2 2026 | 7.18% | 2.77% | 4.73% | 7.97% | 4.95% |
One World 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 One World 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 One World Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57901) · FFIEC NIC profile (RSSD 3296859)