Plains 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 Net interest margin: 0.38 percentage points higher than in Q1 2026, at 4.54%. Plains State Bank ranks 106th of 345 Texas banks on net interest margin, in the upper half at 4.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Plains State Bank sits 0.59 points higher, at 4.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 7.33% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.9M |
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 | 7.33% | 2.40% | 5.28% | 8.13% | 1.95% |
| Q4 2023 | 7.26% | 2.61% | 5.03% | 8.02% | 1.80% |
| Q1 2024 | 7.14% | 2.75% | 4.78% | 8.12% | 2.01% |
| Q2 2024 | 7.41% | 2.75% | 5.06% | 8.27% | 2.14% |
| Q3 2024 | 7.32% | 2.77% | 4.99% | 8.28% | 2.29% |
| Q4 2024 | 7.17% | 2.72% | 4.85% | 8.12% | 2.58% |
| Q1 2025 | 6.56% | 2.62% | 4.31% | 7.75% | 2.71% |
| Q2 2025 | 6.82% | 2.46% | 4.74% | 7.80% | 2.70% |
| Q3 2025 | 6.81% | 2.45% | 4.76% | 7.75% | 2.83% |
| Q4 2025 | 6.67% | 2.40% | 4.68% | 7.62% | 2.93% |
| Q1 2026 | 6.05% | 2.28% | 4.16% | 7.11% | 2.94% |
| Q2 2026 | 6.40% | 2.26% | 4.54% | 7.33% | 3.03% |
Plains 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 Plains 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 Plains State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17739) · FFIEC NIC profile (RSSD 972862)