Sunflower Bank, N.A.: 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 climbed 154.5% in Q2 2026, from $32.8M to $83.5M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Sunflower Bank, N.A. is 240th of 345 on net interest margin, 3.73% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Sunflower Bank, N.A. sits 0.13 points higher, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 6.20% |
| Yield on securities | 4.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 4.04% |
| Cost of interest-bearing liabilities | 4.09% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 1.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $194.0M |
| Total interest expense | $83.5M |
| Interest expense on deposits | $81.9M |
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 | 6.15% | 1.98% | 4.32% | 6.53% | 2.75% |
| Q4 2023 | 6.22% | 2.23% | 4.17% | 6.59% | 2.87% |
| Q1 2024 | 6.22% | 2.31% | 4.10% | 6.56% | 2.95% |
| Q2 2024 | 6.33% | 2.39% | 4.12% | 6.66% | 3.22% |
| Q3 2024 | 6.43% | 2.43% | 4.21% | 6.78% | 3.29% |
| Q4 2024 | 6.24% | 2.21% | 4.23% | 6.62% | 3.14% |
| Q1 2025 | 6.00% | 2.04% | 4.13% | 6.35% | 3.16% |
| Q2 2025 | 6.10% | 2.09% | 4.17% | 6.48% | 3.17% |
| Q3 2025 | 6.19% | 2.13% | 4.24% | 6.62% | 3.18% |
| Q4 2025 | 6.11% | 1.98% | 4.32% | 6.49% | 3.15% |
| Q1 2026 | 5.96% | 1.85% | 4.29% | 6.34% | 3.04% |
| Q2 2026 | 5.84% | 2.35% | 3.73% | 6.20% | 4.71% |
Sunflower Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunflower Bank, N.A., 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 Sunflower Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4767) · FFIEC NIC profile (RSSD 474759)