Round Top 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.
In Q2 2026, Yield on securities edged up by 0.13 percentage points, from 2.83% to 2.96%, the largest move among the key lines here. Within Texas, Round Top State Bank is 304th of 345 on net interest margin, 3.10% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Round Top State Bank sits 0.85 points lower, at 3.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 6.08% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.10% |
| Yield to cost spread | 2.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 4.20% | 1.64% | 2.71% | 5.32% | 2.06% |
| Q4 2023 | 4.35% | 1.96% | 2.57% | 5.46% | 2.08% |
| Q1 2024 | 4.51% | 2.31% | 2.41% | 5.58% | 2.10% |
| Q2 2024 | 4.61% | 2.48% | 2.35% | 5.69% | 2.09% |
| Q3 2024 | 4.74% | 2.55% | 2.45% | 5.87% | 2.11% |
| Q4 2024 | 4.71% | 2.35% | 2.63% | 5.90% | 2.24% |
| Q1 2025 | 4.68% | 2.14% | 2.75% | 5.86% | 2.34% |
| Q2 2025 | 4.83% | 2.12% | 2.91% | 6.02% | 2.40% |
| Q3 2025 | 4.93% | 2.10% | 3.02% | 6.16% | 2.47% |
| Q4 2025 | 4.96% | 2.11% | 3.07% | 6.24% | 2.70% |
| Q1 2026 | 4.91% | 2.07% | 3.05% | 6.12% | 2.83% |
| Q2 2026 | 4.89% | 2.02% | 3.10% | 6.08% | 2.96% |
Round Top 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 Round Top 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 Round Top State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19358) · FFIEC NIC profile (RSSD 665865)