Southstar Bank, S.S.B.: 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.
Total interest expense rose 2.6% from Q1 2026 to Q2 2026, ending at $5.8M against $5.7M. It was the largest change among the key lines on this page. Southstar Bank, S.S.B. ranks 97th of 345 Texas banks on net interest margin, in the upper half at 4.63% (Q2 2026). Southstar Bank, S.S.B. reported 4.63% on net interest margin for Q2 2026, 0.92 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.44% |
| Yield on loans | 7.37% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.8M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $5.2M |
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 | 6.17% | 1.96% | 4.36% | 6.97% | 2.57% |
| Q4 2023 | 6.20% | 2.13% | 4.23% | 6.98% | 2.46% |
| Q1 2024 | 6.25% | 2.20% | 4.20% | 7.04% | 2.45% |
| Q2 2024 | 6.40% | 2.25% | 4.33% | 7.19% | 2.67% |
| Q3 2024 | 6.60% | 2.29% | 4.51% | 7.40% | 2.91% |
| Q4 2024 | 6.61% | 2.24% | 4.57% | 7.45% | 3.03% |
| Q1 2025 | 6.50% | 2.16% | 4.52% | 7.37% | 3.19% |
| Q2 2025 | 6.54% | 2.23% | 4.51% | 7.41% | 3.41% |
| Q3 2025 | 6.74% | 2.13% | 4.81% | 7.50% | 3.49% |
| Q4 2025 | 6.64% | 2.08% | 4.76% | 7.43% | 3.51% |
| Q1 2026 | 6.37% | 1.98% | 4.57% | 7.28% | 3.54% |
| Q2 2026 | 6.44% | 1.99% | 4.63% | 7.37% | 3.59% |
Southstar Bank, S.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southstar Bank, S.S.B., 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 Southstar Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12299) · FFIEC NIC profile (RSSD 171768)