R 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 Total interest expense: 7.7% lower than in Q1 2026, at $4.6M. Within Texas, R Bank is 190th of 345 on net interest margin, 4.05% as of Q2 2026. R Bank reported 4.05% on net interest margin for Q2 2026, 0.34 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.76% |
| Yield on securities | 1.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.8M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.6M |
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 | 5.98% | 2.16% | 4.01% | 6.43% | 2.27% |
| Q4 2023 | 6.21% | 2.59% | 3.85% | 6.62% | 2.49% |
| Q1 2024 | 6.00% | 2.96% | 3.28% | 6.49% | 2.16% |
| Q2 2024 | 6.08% | 3.09% | 3.27% | 6.48% | 2.02% |
| Q3 2024 | 6.10% | 3.07% | 3.31% | 6.56% | 2.11% |
| Q4 2024 | 6.04% | 2.79% | 3.50% | 6.52% | 2.36% |
| Q1 2025 | 5.81% | 2.55% | 3.49% | 6.34% | 2.25% |
| Q2 2025 | 5.89% | 2.47% | 3.62% | 6.44% | 2.23% |
| Q3 2025 | 5.99% | 2.47% | 3.72% | 6.60% | 2.47% |
| Q4 2025 | 5.80% | 2.35% | 3.67% | 6.61% | 2.09% |
| Q1 2026 | 5.87% | 2.14% | 3.91% | 6.74% | 2.12% |
| Q2 2026 | 5.89% | 2.01% | 4.05% | 6.76% | 1.96% |
R 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 R 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 R Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58935) · FFIEC NIC profile (RSSD 3821037)