Security Bank of Texas: 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 largest change between Q1 2026 and Q2 2026 was in Yield on loans, which rose 0.28 percentage points to 8.92%. On net interest margin, Security Bank of Texas ranks 23rd highest among the 345 banks headquartered in Texas, at 5.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Bank of Texas sits 1.42 points higher, at 5.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.78% |
| Yield on loans | 8.92% |
| Yield on securities | 4.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.55% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.37% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $967K |
| Interest expense on deposits | $967K |
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 | 7.18% | 2.28% | 4.92% | 7.62% | 4.91% |
| Q4 2023 | 7.48% | 2.81% | 4.74% | 8.09% | 4.87% |
| Q1 2024 | 7.42% | 2.80% | 4.69% | 8.03% | 4.94% |
| Q2 2024 | 7.75% | 2.84% | 5.03% | 8.40% | 4.90% |
| Q3 2024 | 7.77% | 2.91% | 5.04% | 8.60% | 4.84% |
| Q4 2024 | 7.86% | 2.67% | 5.36% | 8.92% | 4.21% |
| Q1 2025 | 8.12% | 2.49% | 5.77% | 8.82% | 4.69% |
| Q2 2025 | 7.98% | 2.68% | 5.46% | 8.72% | 4.71% |
| Q3 2025 | 7.79% | 2.68% | 5.36% | 9.07% | 4.69% |
| Q4 2025 | 7.88% | 2.56% | 5.46% | 8.86% | 3.64% |
| Q1 2026 | 7.74% | 2.52% | 5.34% | 8.64% | 4.51% |
| Q2 2026 | 7.78% | 2.55% | 5.37% | 8.92% | 4.48% |
Security Bank of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of Texas, 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 Security Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15731) · FFIEC NIC profile (RSSD 435666)