Southwest 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.25 percentage points to 5.56%. On net interest margin, Southwest Bank ranks 17th highest among the 345 banks headquartered in Texas, at 5.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Southwest Bank sits 1.61 points higher, at 5.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 7.59% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.93% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.56% |
| Yield to cost spread | 4.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 6.64% | 0.57% | 6.10% | 7.81% | 1.84% |
| Q4 2023 | 6.62% | 0.64% | 6.04% | 8.08% | 1.98% |
| Q1 2024 | 6.62% | 0.81% | 5.86% | 7.83% | 1.85% |
| Q2 2024 | 7.09% | 0.93% | 6.23% | 8.49% | 1.88% |
| Q3 2024 | 7.30% | 0.94% | 6.43% | 8.84% | 2.02% |
| Q4 2024 | 6.96% | 1.00% | 6.05% | 8.52% | 2.06% |
| Q1 2025 | 6.64% | 0.90% | 5.81% | 8.06% | 2.13% |
| Q2 2025 | 6.73% | 0.89% | 5.91% | 8.22% | 2.17% |
| Q3 2025 | 6.73% | 0.89% | 5.92% | 8.17% | 2.18% |
| Q4 2025 | 6.20% | 0.96% | 5.32% | 7.46% | 2.52% |
| Q1 2026 | 6.16% | 0.93% | 5.31% | 7.43% | 2.80% |
| Q2 2026 | 6.40% | 0.93% | 5.56% | 7.59% | 2.74% |
Southwest 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 Southwest 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16652) · FFIEC NIC profile (RSSD 561864)