Texas Bank and Trust Company: 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, Total interest expense fell 4.4% in Q2 2026 to $16.4M, the biggest move on this page. Within Texas, Texas Bank and Trust Company is 230th of 345 on net interest margin, 3.79% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Texas Bank and Trust Company reported 3.79% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 5.84% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $49.7M |
| Total interest expense | $16.4M |
| Interest expense on deposits | $16.4M |
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 | 4.75% | 1.85% | 2.80% | 5.11% | 2.76% |
| Q4 2023 | 4.82% | 2.04% | 2.71% | 5.17% | 2.78% |
| Q1 2024 | 4.83% | 2.19% | 2.55% | 5.17% | 2.79% |
| Q2 2024 | 4.91% | 2.20% | 2.65% | 5.26% | 2.71% |
| Q3 2024 | 5.02% | 2.28% | 2.68% | 5.39% | 2.70% |
| Q4 2024 | 5.07% | 2.09% | 2.92% | 5.45% | 2.69% |
| Q1 2025 | 4.99% | 1.93% | 3.01% | 5.35% | 2.74% |
| Q2 2025 | 5.17% | 1.90% | 3.24% | 5.57% | 2.74% |
| Q3 2025 | 5.29% | 1.89% | 3.38% | 5.72% | 2.72% |
| Q4 2025 | 5.35% | 1.75% | 3.58% | 5.79% | 2.76% |
| Q1 2026 | 5.24% | 1.61% | 3.61% | 5.71% | 2.84% |
| Q2 2026 | 5.37% | 1.55% | 3.79% | 5.84% | 2.87% |
Texas Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17842) · FFIEC NIC profile (RSSD 949154)