Schertz Bank & Trust: 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, Total interest expense edged down by 2.0%, from $4.5M to $4.5M, the largest move among the key lines here. Schertz Bank & Trust ranks 111th of 345 Texas banks on net interest margin, in the upper half at 4.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Schertz Bank & Trust sits 0.54 points higher, at 4.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.93% |
| Yield on loans | 7.51% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.75% |
| Cost of interest-bearing deposits | 3.32% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 11600.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $4.5M |
| 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 | 5.86% | 2.89% | 3.21% | 5.99% | 1.85% |
| Q4 2023 | 6.05% | 3.25% | 3.10% | 6.16% | 2.57% |
| Q1 2024 | 6.07% | 3.56% | 2.83% | 6.28% | 2.73% |
| Q2 2024 | 6.17% | 3.59% | 2.92% | 6.36% | 2.59% |
| Q3 2024 | 6.37% | 3.67% | 3.04% | 6.74% | 2.75% |
| Q4 2024 | 6.56% | 3.59% | 3.29% | 6.93% | 3.38% |
| Q1 2025 | 6.55% | 3.38% | 3.49% | 7.01% | 3.82% |
| Q2 2025 | 6.73% | 3.26% | 3.82% | 7.15% | 3.99% |
| Q3 2025 | 6.88% | 3.17% | 4.07% | 7.44% | 3.95% |
| Q4 2025 | 6.95% | 2.99% | 4.32% | 7.60% | 3.96% |
| Q1 2026 | 6.89% | 2.79% | 4.43% | 7.50% | 3.86% |
| Q2 2026 | 6.93% | 2.75% | 4.49% | 7.51% | 4.03% |
Schertz Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Schertz Bank & Trust, 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 Schertz Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10344) · FFIEC NIC profile (RSSD 583268)