Pinnacle 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.61 percentage points to 5.19%. Pinnacle Bank ranks 227th of 345 Texas banks on net interest margin, in the lower half at 3.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Pinnacle Bank reported 3.80% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.64% |
| Yield on securities | 1.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 5.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $31.3M |
| Total interest expense | $10.6M |
| Interest expense on deposits | $10.6M |
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 | 4.72% | 2.00% | 2.88% | 6.19% | 1.46% |
| Q4 2023 | 4.73% | 2.28% | 2.63% | 6.13% | 1.45% |
| Q1 2024 | 4.84% | 2.49% | 2.52% | 6.27% | 1.42% |
| Q2 2024 | 4.92% | 2.58% | 2.51% | 6.33% | 1.50% |
| Q3 2024 | 4.87% | 2.72% | 2.28% | 6.29% | 1.59% |
| Q4 2024 | 4.99% | 2.23% | 2.95% | 6.47% | 1.45% |
| Q1 2025 | 4.92% | 2.04% | 3.02% | 6.33% | 1.43% |
| Q2 2025 | 5.13% | 2.00% | 3.28% | 6.49% | 1.63% |
| Q3 2025 | 5.34% | 2.02% | 3.48% | 6.66% | 1.72% |
| Q4 2025 | 5.40% | 1.95% | 3.63% | 6.67% | 1.75% |
| Q1 2026 | 5.35% | 1.82% | 3.67% | 6.53% | 1.80% |
| Q2 2026 | 5.46% | 1.81% | 3.80% | 6.64% | 1.82% |
Pinnacle 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 Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20231) · FFIEC NIC profile (RSSD 867650)