TBK Bank, SSB: 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 60.1% in Q2 2026, from $15.0M to $24.1M. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, TBK Bank, SSB sits 9th from the top on net interest margin, 6.16% as of Q2 2026. Against a median of 3.71% for banks in the $1B-10B asset tier, TBK Bank, SSB reported 6.16% on net interest margin in Q2 2026, 2.45 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.64% |
| Yield on loans | 8.53% |
| Yield on securities | 5.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 3.77% |
| Cost of interest-bearing liabilities | 3.76% |
| Cost of borrowings | 3.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.16% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $112.4M |
| Total interest expense | $24.1M |
| Interest expense on deposits | $24.0M |
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 | 8.79% | 1.26% | 7.67% | 9.22% | 6.81% |
| Q4 2023 | 8.90% | 1.31% | 7.73% | 9.36% | 6.93% |
| Q1 2024 | 8.50% | 1.26% | 7.37% | 9.04% | 6.68% |
| Q2 2024 | 8.45% | 1.48% | 7.13% | 9.03% | 6.74% |
| Q3 2024 | 8.25% | 1.45% | 6.95% | 8.89% | 6.54% |
| Q4 2024 | 7.93% | 1.29% | 6.76% | 8.51% | 6.25% |
| Q1 2025 | 7.66% | 1.29% | 6.44% | 8.24% | 5.60% |
| Q2 2025 | 7.79% | 1.40% | 6.45% | 8.37% | 5.57% |
| Q3 2025 | 7.76% | 1.46% | 6.38% | 8.23% | 5.63% |
| Q4 2025 | 7.77% | 1.47% | 6.45% | 8.20% | 5.41% |
| Q1 2026 | 7.05% | 1.13% | 6.02% | 7.61% | 5.09% |
| Q2 2026 | 7.64% | 1.62% | 6.16% | 8.53% | 5.14% |
TBK Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock TBK Bank, SSB, 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 TBK Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23498) · FFIEC NIC profile (RSSD 766164)