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 standout move of Q2 2026 was in Total interest expense: 19.2% higher than in Q1 2026, at $5.7M. On net interest margin, Security State Bank is 30th from the bottom among 345 Texas banks, 2.98% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Security State Bank sits 0.73 points lower, at 2.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 6.48% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.7M |
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 | 4.24% | 1.83% | 2.34% | 5.36% | 2.81% |
| Q4 2023 | 4.47% | 2.07% | 2.32% | 5.64% | 2.90% |
| Q1 2024 | 4.59% | 2.43% | 2.39% | 5.71% | 2.91% |
| Q2 2024 | 4.81% | 2.53% | 2.53% | 6.06% | 2.88% |
| Q3 2024 | 4.94% | 2.66% | 2.54% | 6.14% | 2.93% |
| Q4 2024 | 4.95% | 2.49% | 2.72% | 6.19% | 2.88% |
| Q1 2025 | 4.97% | 2.34% | 2.85% | 6.14% | 2.95% |
| Q2 2025 | 5.16% | 2.30% | 3.10% | 6.38% | 2.97% |
| Q3 2025 | 5.20% | 2.35% | 3.10% | 6.42% | 2.99% |
| Q4 2025 | 5.20% | 2.28% | 3.16% | 6.45% | 3.08% |
| Q1 2026 | 5.03% | 2.13% | 3.11% | 6.34% | 3.18% |
| Q2 2026 | 5.01% | 2.22% | 2.98% | 6.48% | 3.40% |
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 1497) · FFIEC NIC profile (RSSD 839068)