Spring Hill State 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, Yield on securities rose 0.26 percentage points in Q2 2026 to 3.82%, the biggest move on this page. Spring Hill State Bank ranks 70th of 345 Texas banks on net interest margin, in the upper half at 4.79% (Q2 2026). Spring Hill State Bank reported 4.79% on net interest margin for Q2 2026, 0.84 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $959K |
| Interest expense on deposits | $854K |
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 | 5.27% | 1.25% | 4.19% |
| Q4 2023 | 5.51% | 1.51% | 4.21% |
| Q1 2024 | 5.80% | 1.72% | 4.31% |
| Q2 2024 | 5.85% | 1.89% | 4.23% |
| Q3 2024 | 6.08% | 2.26% | 4.12% |
| Q4 2024 | 6.08% | 2.36% | 4.07% |
| Q1 2025 | 6.14% | 2.23% | 4.23% |
| Q2 2025 | 6.22% | 2.22% | 4.34% |
| Q3 2025 | 6.43% | 2.16% | 4.61% |
| Q4 2025 | 6.42% | 2.09% | 4.66% |
| Q1 2026 | 6.41% | 2.00% | 4.74% |
| Q2 2026 | 6.41% | 1.97% | 4.79% |
Spring Hill State 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 Spring Hill State 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 Spring Hill State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22526) · FFIEC NIC profile (RSSD 457060)