Sundown 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.
Total interest expense fell 5.2% from Q1 2026 to Q2 2026, ending at $1.2M against $1.2M. It was the largest change among the key lines on this page. Within Texas, Sundown State Bank is 151st of 345 on net interest margin, 4.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Sundown State Bank sits 0.31 points higher, at 4.25% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 7.08% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 6.62% | 2.36% | 4.38% | 6.99% | 3.59% |
| Q4 2023 | 6.65% | 2.50% | 4.25% | 7.05% | 3.24% |
| Q1 2024 | 6.42% | 2.40% | 4.14% | 6.95% | 3.35% |
| Q2 2024 | 6.77% | 2.43% | 4.50% | 7.21% | 3.27% |
| Q3 2024 | 6.99% | 2.53% | 4.63% | 7.42% | 3.20% |
| Q4 2024 | 6.78% | 2.37% | 4.53% | 7.26% | 3.23% |
| Q1 2025 | 6.54% | 2.10% | 4.57% | 7.09% | 3.32% |
| Q2 2025 | 6.59% | 2.05% | 4.65% | 7.31% | 3.50% |
| Q3 2025 | 7.05% | 2.04% | 5.12% | 7.96% | 4.05% |
| Q4 2025 | 6.19% | 1.95% | 4.41% | 7.11% | 4.02% |
| Q1 2026 | 5.92% | 1.76% | 4.25% | 7.05% | 4.00% |
| Q2 2026 | 5.82% | 1.68% | 4.25% | 7.08% | 3.77% |
Sundown 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 Sundown 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 Sundown State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18780) · FFIEC NIC profile (RSSD 412667)