Robert Lee 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: 0.47 percentage points higher than in Q1 2026, at 3.76%. Robert Lee State Bank ranks 234th of 345 Texas banks on net interest margin, in the lower half at 3.76% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin; Robert Lee State Bank reported 3.76% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.38% |
| Yield on loans | 6.82% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.66% |
| Cost of interest-bearing deposits | 1.00% |
| Cost of interest-bearing liabilities | 1.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $262K |
| Total interest expense | $67K |
| Interest expense on deposits | $67K |
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 | 4.14% | 0.62% | 3.57% | 6.99% | 2.47% |
| Q4 2023 | 3.99% | 0.71% | 3.36% | 6.80% | 2.36% |
| Q1 2024 | 3.96% | 0.68% | 3.36% | 6.85% | 2.39% |
| Q2 2024 | 4.43% | 0.70% | 3.80% | 6.99% | 2.56% |
| Q3 2024 | 4.32% | 0.89% | 3.54% | 7.14% | 2.47% |
| Q4 2024 | 3.30% | 0.89% | 2.50% | 5.32% | 2.00% |
| Q1 2025 | 4.18% | 0.74% | 3.50% | 7.03% | 2.52% |
| Q2 2025 | 4.42% | 0.75% | 3.75% | 7.04% | 2.56% |
| Q3 2025 | 4.36% | 0.75% | 3.69% | 7.03% | 2.47% |
| Q4 2025 | 4.18% | 0.74% | 3.51% | 6.81% | 2.04% |
| Q1 2026 | 3.84% | 0.62% | 3.29% | 6.84% | 2.21% |
| Q2 2026 | 4.38% | 0.66% | 3.76% | 6.82% | 2.69% |
Robert Lee 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 Robert Lee 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 Robert Lee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15442) · FFIEC NIC profile (RSSD 803265)