Southtrust Bank, N.A.: 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.
Cost of borrowings dropped 894.36 percentage points in Q2 2026, from 900.00% to 5.64%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Southtrust Bank, N.A. is 132nd of 345 on net interest margin, 4.32% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Southtrust Bank, N.A. sits 0.37 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 5.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 |
|---|---|---|---|
| Q3 2023 | 4.65% | 1.14% | 3.60% |
| Q4 2023 | 4.95% | 1.25% | 3.80% |
| Q1 2024 | 5.16% | 1.41% | 3.85% |
| Q2 2024 | 5.41% | 1.35% | 4.00% |
| Q3 2024 | 5.50% | 1.56% | 4.08% |
| Q4 2024 | 5.48% | 1.40% | 4.20% |
| Q1 2025 | 5.36% | 1.26% | 4.20% |
| Q2 2025 | 5.54% | 1.19% | 4.46% |
| Q3 2025 | 5.72% | 1.21% | 4.62% |
| Q4 2025 | 5.60% | 1.30% | 4.36% |
| Q1 2026 | 5.52% | 1.29% | 4.30% |
| Q2 2026 | 5.46% | 1.22% | 4.32% |
Southtrust Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southtrust Bank, N.A., 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 Southtrust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13919) · FFIEC NIC profile (RSSD 521158)