State Bank of Texas: 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 standout move of Q2 2026 was in Net interest margin: 0.41 percentage points higher than in Q1 2026, at 5.46%. Among 345 Texas banks, State Bank of Texas sits 22nd from the top on net interest margin, 5.46% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. State Bank of Texas sits 1.75 points higher, at 5.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.68% |
| Yield on loans | 9.49% |
| Yield on securities | 4.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.66% |
| Cost of interest-bearing deposits | 3.86% |
| Cost of interest-bearing liabilities | 3.94% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.46% |
| Yield to cost spread | 4.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $52.6M |
| Total interest expense | $21.0M |
| Interest expense on deposits | $20.0M |
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 | 10.15% | 4.37% | 6.24% | 10.93% | 4.91% |
| Q4 2023 | 10.60% | 4.71% | 6.42% | 11.54% | 4.96% |
| Q1 2024 | 9.99% | 4.89% | 5.60% | 10.88% | 4.93% |
| Q2 2024 | 10.11% | 4.98% | 5.67% | 10.92% | 4.91% |
| Q3 2024 | 9.91% | 5.04% | 5.45% | 10.72% | 4.70% |
| Q4 2024 | 9.60% | 4.80% | 5.37% | 10.43% | 4.56% |
| Q1 2025 | 8.88% | 4.31% | 5.06% | 9.65% | 4.59% |
| Q2 2025 | 8.89% | 4.22% | 5.15% | 9.67% | 4.59% |
| Q3 2025 | 9.03% | 4.15% | 5.38% | 9.95% | 4.58% |
| Q4 2025 | 8.80% | 3.93% | 5.32% | 9.59% | 4.55% |
| Q1 2026 | 8.31% | 3.67% | 5.05% | 9.06% | 4.60% |
| Q2 2026 | 8.68% | 3.66% | 5.46% | 9.49% | 4.62% |
State Bank of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Texas, 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 State Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27074) · FFIEC NIC profile (RSSD 1157415)