Sanger 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, Net interest margin edged up by 0.09 percentage points, from 3.96% to 4.05%, the largest move among the key lines here. Sanger Bank ranks 190th of 345 Texas banks on net interest margin, in the lower half at 4.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Sanger Bank reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 7.30% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $926K |
| Interest expense on deposits | $926K |
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 | 5.73% | 1.84% | 4.07% | 6.50% | 3.63% |
| Q4 2023 | 6.03% | 2.01% | 4.21% | 6.91% | 3.87% |
| Q1 2024 | 6.09% | 2.16% | 4.22% | 7.44% | 3.69% |
| Q2 2024 | 5.83% | 2.29% | 3.77% | 6.52% | 3.67% |
| Q3 2024 | 6.07% | 2.30% | 4.00% | 6.96% | 3.70% |
| Q4 2024 | 6.21% | 2.29% | 4.17% | 7.18% | 3.69% |
| Q1 2025 | 6.19% | 2.16% | 4.24% | 7.20% | 3.67% |
| Q2 2025 | 6.23% | 2.17% | 4.27% | 7.25% | 3.66% |
| Q3 2025 | 6.17% | 2.13% | 4.27% | 7.34% | 3.67% |
| Q4 2025 | 6.10% | 2.10% | 4.22% | 7.57% | 3.66% |
| Q1 2026 | 5.79% | 2.05% | 3.96% | 7.14% | 3.66% |
| Q2 2026 | 5.84% | 2.00% | 4.05% | 7.30% | 3.68% |
Sanger 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 Sanger 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 Sanger Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27043) · FFIEC NIC profile (RSSD 336361)