Security 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.25 percentage points between Q1 2026 and Q2 2026, to 4.10%. Within Texas, Security State Bank is 156th of 345 on net interest margin, 4.23% as of Q2 2026. Security State Bank reported 4.23% on net interest margin for Q2 2026, 0.29 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.55% |
| Yield on loans | 7.09% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.57% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 6.67% | 2.88% | 4.05% | 7.94% | 2.72% |
| Q4 2023 | 6.88% | 2.95% | 4.18% | 7.97% | 4.75% |
| Q1 2024 | 6.83% | 3.04% | 4.07% | 7.96% | 4.77% |
| Q2 2024 | 6.83% | 3.19% | 3.92% | 7.81% | 4.32% |
| Q3 2024 | 7.17% | 3.33% | 4.23% | 7.82% | 6.06% |
| Q4 2024 | 6.80% | 2.93% | 4.13% | 7.47% | 4.64% |
| Q1 2025 | 6.60% | 2.80% | 4.03% | 7.25% | 4.65% |
| Q2 2025 | 6.78% | 2.98% | 4.08% | 7.42% | 4.42% |
| Q3 2025 | 6.87% | 2.94% | 4.18% | 7.51% | 4.35% |
| Q4 2025 | 7.47% | 3.26% | 4.50% | 7.30% | 11.77% |
| Q1 2026 | 6.43% | 2.46% | 4.16% | 7.00% | 3.85% |
| Q2 2026 | 6.55% | 2.57% | 4.23% | 7.09% | 4.10% |
Security 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 Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11907) · FFIEC NIC profile (RSSD 389358)