The State National Bank of Groom: 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 0.28 percentage points in Q2 2026 to 4.27%, the biggest move on this page. Within Texas, The State National Bank of Groom is 143rd of 345 on net interest margin, 4.27% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The State National Bank of Groom sits 0.38 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.75% |
| Yield on loans | 7.81% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.70% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $844K |
| Total interest expense | $348K |
| Interest expense on deposits | $348K |
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 | 5.99% | 2.30% | 3.63% | 7.05% | 1.68% |
| Q4 2023 | 6.06% | 2.46% | 3.71% | 7.37% | 1.27% |
| Q1 2024 | 6.98% | 2.50% | 4.71% | 8.60% | 1.58% |
| Q2 2024 | 6.20% | 2.86% | 3.99% | 8.52% | 1.54% |
| Q3 2024 | 7.30% | 2.82% | 4.95% | 8.66% | 1.24% |
| Q4 2024 | 7.28% | 3.28% | 4.54% | 8.75% | 1.35% |
| Q1 2025 | 7.13% | 2.95% | 4.50% | 8.37% | 1.38% |
| Q2 2025 | 7.12% | 3.19% | 4.28% | 8.51% | 2.33% |
| Q3 2025 | 6.92% | 3.06% | 4.08% | 7.85% | 2.67% |
| Q4 2025 | 7.37% | 3.23% | 4.31% | 8.17% | 4.13% |
| Q1 2026 | 6.69% | 2.88% | 3.99% | 7.85% | 3.09% |
| Q2 2026 | 6.75% | 2.70% | 4.27% | 7.81% | 2.99% |
The State National Bank of Groom yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State National Bank of Groom, 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 The State National Bank of Groom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3237) · FFIEC NIC profile (RSSD 460556)