The Pecos County State 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 Yield on loans: 0.79 percentage points lower than in Q1 2026, at 7.41%. The Pecos County State Bank ranks 253rd of 345 Texas banks on net interest margin, in the lower half at 3.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Pecos County State Bank sits 0.34 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 7.41% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $999K |
| Interest expense on deposits | $999K |
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 | 5.10% | 1.36% | 3.80% | 8.69% | 2.87% |
| Q4 2023 | 5.13% | 1.59% | 3.60% | 8.47% | 2.95% |
| Q1 2024 | 5.27% | 1.74% | 3.61% | 8.62% | 2.97% |
| Q2 2024 | 5.36% | 1.80% | 3.64% | 8.55% | 2.98% |
| Q3 2024 | 5.63% | 1.91% | 3.81% | 8.75% | 3.22% |
| Q4 2024 | 5.43% | 1.90% | 3.63% | 8.23% | 3.20% |
| Q1 2025 | 5.46% | 1.75% | 3.79% | 8.55% | 3.06% |
| Q2 2025 | 5.26% | 1.63% | 3.76% | 7.93% | 3.12% |
| Q3 2025 | 5.33% | 1.56% | 3.92% | 7.95% | 3.11% |
| Q4 2025 | 5.40% | 1.49% | 4.06% | 8.14% | 3.15% |
| Q1 2026 | 5.18% | 1.48% | 3.81% | 8.20% | 3.13% |
| Q2 2026 | 4.93% | 1.45% | 3.61% | 7.41% | 3.21% |
The Pecos County State 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 The Pecos County State 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 The Pecos County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13006) · FFIEC NIC profile (RSSD 396954)