Spectra 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.
Compared with Q1 2026, Net interest margin rose 0.33 percentage points in Q2 2026 to 4.11%, the biggest move on this page. Spectra Bank ranks 178th of 345 Texas banks on net interest margin, in the lower half at 4.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Spectra Bank sits 0.16 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.62% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 3.73% |
| Cost of interest-bearing liabilities | 3.74% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $724K |
| Interest expense on deposits | $666K |
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 | 5.77% | 2.49% | 3.13% |
| Q4 2023 | 5.80% | 2.62% | 3.01% |
| Q1 2024 | 6.51% | 2.73% | 3.58% |
| Q2 2024 | 5.97% | 2.76% | 3.15% |
| Q3 2024 | 6.52% | 2.86% | 3.32% |
| Q4 2024 | 6.06% | 2.85% | 2.93% |
| Q1 2025 | 5.44% | 2.84% | 2.53% |
| Q2 2025 | 6.21% | 2.66% | 3.58% |
| Q3 2025 | 6.81% | 1.85% | 4.19% |
| Q4 2025 | 6.65% | 2.67% | 3.93% |
| Q1 2026 | 6.42% | 2.54% | 3.78% |
| Q2 2026 | 6.62% | 2.42% | 4.11% |
Spectra 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 Spectra 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 Spectra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26708) · FFIEC NIC profile (RSSD 426057)