Southwestern National 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.
Net interest margin rose 0.24 percentage points from Q1 2026 to Q2 2026, ending at 4.04% against 3.80%. It was the largest change among the key lines on this page. Southwestern National Bank ranks 192nd of 345 Texas banks on net interest margin, in the lower half at 4.04% (Q2 2026). Southwestern National Bank reported 4.04% on net interest margin for Q2 2026, 0.33 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.76% |
| Yield on loans | 7.22% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.93% |
| Cost of interest-bearing deposits | 3.60% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.7M |
| Total interest expense | $9.0M |
| Interest expense on deposits | $9.0M |
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 | 6.00% | 3.02% | 3.29% | 6.20% | 2.48% |
| Q4 2023 | 6.28% | 3.45% | 3.21% | 6.47% | 2.83% |
| Q1 2024 | 6.32% | 3.75% | 2.98% | 6.53% | 2.95% |
| Q2 2024 | 6.52% | 3.82% | 3.03% | 6.77% | 3.02% |
| Q3 2024 | 6.69% | 3.84% | 3.09% | 7.00% | 3.44% |
| Q4 2024 | 6.87% | 3.62% | 3.53% | 7.20% | 3.57% |
| Q1 2025 | 6.67% | 3.32% | 3.55% | 6.98% | 3.62% |
| Q2 2025 | 6.78% | 3.30% | 3.67% | 7.18% | 3.66% |
| Q3 2025 | 6.91% | 3.30% | 3.81% | 7.25% | 3.75% |
| Q4 2025 | 6.80% | 3.13% | 3.81% | 7.19% | 3.77% |
| Q1 2026 | 6.57% | 2.93% | 3.80% | 7.06% | 3.84% |
| Q2 2026 | 6.76% | 2.93% | 4.04% | 7.22% | 4.00% |
Southwestern National 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 Southwestern National 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 Southwestern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34319) · FFIEC NIC profile (RSSD 2625724)