Texas Champion 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.
Compared with Q1 2026, Total interest expense fell 7.4% in Q2 2026 to $1.9M, the biggest move on this page. Within Texas, Texas Champion Bank is 109th of 345 on net interest margin, 4.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Texas Champion Bank sits 0.57 points higher, at 4.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | 6.82% |
| Yield on securities | 4.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 4.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.9M |
| 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 | 6.08% | 1.88% | 4.34% | 6.29% | 2.60% |
| Q4 2023 | 6.16% | 1.95% | 4.37% | 6.37% | 2.66% |
| Q1 2024 | 6.27% | 1.99% | 4.45% | 6.43% | 3.96% |
| Q2 2024 | 6.37% | 2.18% | 4.33% | 6.50% | 5.70% |
| Q3 2024 | 6.40% | 2.22% | 4.33% | 6.63% | 5.88% |
| Q4 2024 | 6.49% | 2.15% | 4.49% | 6.76% | 6.10% |
| Q1 2025 | 6.22% | 2.12% | 4.31% | 6.51% | 5.83% |
| Q2 2025 | 6.41% | 2.00% | 4.52% | 6.77% | 6.23% |
| Q3 2025 | 6.36% | 1.99% | 4.50% | 6.74% | 6.67% |
| Q4 2025 | 6.37% | 2.02% | 4.48% | 6.89% | 5.33% |
| Q1 2026 | 6.13% | 2.12% | 4.27% | 6.79% | 4.32% |
| Q2 2026 | 6.34% | 1.95% | 4.52% | 6.82% | 4.20% |
Texas Champion 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 Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11159) · FFIEC NIC profile (RSSD 579364)