PlainsCapital 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.
Cost of borrowings rose 0.58 percentage points from Q1 2026 to Q2 2026, ending at 3.25% against 2.67%. It was the largest change among the key lines on this page. Within Texas, PlainsCapital Bank is 280th of 345 on net interest margin, 3.35% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. PlainsCapital Bank sits 0.25 points lower, at 3.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $128.0M |
| Total interest expense | $51.7M |
| Interest expense on deposits | $49.1M |
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 |
|---|---|---|---|
| Q3 2023 | 5.44% | 2.21% | 2.91% |
| Q4 2023 | 5.38% | 2.35% | 2.76% |
| Q1 2024 | 5.34% | 2.29% | 2.80% |
| Q2 2024 | 5.42% | 2.30% | 2.88% |
| Q3 2024 | 5.47% | 2.36% | 2.88% |
| Q4 2024 | 5.16% | 2.13% | 2.83% |
| Q1 2025 | 5.02% | 1.97% | 2.85% |
| Q2 2025 | 5.24% | 1.91% | 3.10% |
| Q3 2025 | 5.29% | 1.92% | 3.16% |
| Q4 2025 | 5.07% | 1.76% | 3.19% |
| Q1 2026 | 5.05% | 1.87% | 3.31% |
| Q2 2026 | 5.11% | 1.92% | 3.35% |
PlainsCapital 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 PlainsCapital 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 PlainsCapital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17491) · FFIEC NIC profile (RSSD 637451)