Texas 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.
Net interest margin rose 0.29 percentage points from Q1 2026 to Q2 2026, ending at 4.69% against 4.40%. It was the largest change among the key lines on this page. Texas Bank ranks 83rd of 345 Texas banks on net interest margin, in the upper half at 4.69% (Q2 2026). Texas Bank reported 4.69% on net interest margin for Q2 2026, 0.75 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 7.41% |
| Yield on securities | 5.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.6M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.6M |
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 | 6.17% | 2.46% | 3.90% | 6.61% | 4.17% |
| Q4 2023 | 6.38% | 2.69% | 3.90% | 6.78% | 4.47% |
| Q1 2024 | 6.49% | 2.84% | 3.87% | 6.94% | 4.70% |
| Q2 2024 | 6.73% | 2.87% | 4.03% | 7.17% | 4.82% |
| Q3 2024 | 6.87% | 2.94% | 4.13% | 7.33% | 5.03% |
| Q4 2024 | 6.82% | 2.80% | 4.21% | 7.30% | 4.94% |
| Q1 2025 | 6.56% | 2.59% | 4.12% | 6.96% | 4.99% |
| Q2 2025 | 6.91% | 2.49% | 4.51% | 7.40% | 5.10% |
| Q3 2025 | 6.98% | 2.61% | 4.54% | 7.61% | 5.08% |
| Q4 2025 | 6.92% | 2.48% | 4.60% | 7.48% | 5.62% |
| Q1 2026 | 6.62% | 2.38% | 4.40% | 7.24% | 5.13% |
| Q2 2026 | 6.85% | 2.31% | 4.69% | 7.41% | 5.35% |
Texas 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 Texas 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 Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21074) · FFIEC NIC profile (RSSD 414764)