Texas Community 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.07 percentage points between Q1 2026 and Q2 2026, to 4.08%. Within Texas, Texas Community Bank is 183rd of 345 on net interest margin, 4.08% 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 Community Bank sits 0.37 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.2M |
| Total interest expense | $6.8M |
| Interest expense on deposits | $6.8M |
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 |
|---|---|---|---|
| Q3 2023 | 5.85% | 1.47% | 4.51% |
| Q4 2023 | 6.18% | 1.65% | 4.71% |
| Q1 2024 | 6.28% | 1.74% | 4.71% |
| Q2 2024 | 6.38% | 1.80% | 4.77% |
| Q3 2024 | 6.48% | 1.89% | 4.79% |
| Q4 2024 | 6.26% | 1.80% | 4.66% |
| Q1 2025 | 5.99% | 1.67% | 4.49% |
| Q2 2025 | 6.09% | 1.68% | 4.60% |
| Q3 2025 | 6.10% | 1.73% | 4.56% |
| Q4 2025 | 5.80% | 1.63% | 4.33% |
| Q1 2026 | 5.45% | 1.43% | 4.15% |
| Q2 2026 | 5.32% | 1.41% | 4.08% |
Texas Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24563) · FFIEC NIC profile (RSSD 528960)