Ozona 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 4.39%. Ozona Bank ranks 124th of 345 Texas banks on net interest margin, in the upper half at 4.39% (Q2 2026). Ozona Bank reported 4.39% on net interest margin for Q2 2026, 0.45 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 8.01% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.43% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $823K |
| Interest expense on deposits | $518K |
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 | 4.70% | 0.78% | 3.93% | 6.59% | 3.12% |
| Q4 2023 | 4.71% | 0.91% | 3.83% | 6.62% | 3.13% |
| Q1 2024 | 4.80% | 1.16% | 3.67% | 7.20% | 2.87% |
| Q2 2024 | 5.01% | 1.52% | 3.53% | 7.21% | 2.89% |
| Q3 2024 | 5.07% | 1.43% | 3.67% | 7.51% | 2.95% |
| Q4 2024 | 5.06% | 1.24% | 3.88% | 7.76% | 2.84% |
| Q1 2025 | 4.90% | 1.03% | 3.90% | 7.39% | 2.76% |
| Q2 2025 | 5.00% | 0.98% | 4.05% | 7.44% | 2.72% |
| Q3 2025 | 5.02% | 1.01% | 4.06% | 7.61% | 2.65% |
| Q4 2025 | 5.55% | 1.05% | 4.57% | 8.36% | 2.56% |
| Q1 2026 | 4.90% | 1.09% | 3.87% | 7.29% | 2.51% |
| Q2 2026 | 5.39% | 1.05% | 4.39% | 8.01% | 2.49% |
Ozona 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 Ozona 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 Ozona Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3376) · FFIEC NIC profile (RSSD 780263)