Texas Exchange 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 standout move of Q2 2026 was in Yield on loans: 0.77 percentage points higher than in Q1 2026, at 9.15%. On net interest margin, Texas Exchange Bank is 2nd from the bottom among 345 Texas banks, 1.96% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Texas Exchange Bank sits 1.75 points lower, at 1.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 9.15% |
| Yield on securities | 4.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.53% |
| Cost of interest-bearing deposits | 3.52% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.96% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.8M |
| Total interest expense | $23.6M |
| Interest expense on deposits | $22.8M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 9.34% | 1.74% | 7.79% | 12.03% | 7.67% |
| Q4 2023 | 9.79% | 1.75% | 8.30% | 12.49% | 8.00% |
| Q1 2024 | 8.77% | 2.08% | 7.00% | 11.45% | 7.14% |
| Q2 2024 | 7.87% | 2.40% | 5.80% | 10.45% | 6.42% |
| Q3 2024 | 7.69% | 3.05% | 5.05% | 10.58% | 6.64% |
| Q4 2024 | 6.90% | 3.24% | 4.05% | 9.75% | 6.17% |
| Q1 2025 | 6.21% | 3.03% | 3.53% | 8.79% | 5.42% |
| Q2 2025 | 6.48% | 3.18% | 3.63% | 9.60% | 5.51% |
| Q3 2025 | 6.42% | 3.40% | 3.42% | 10.63% | 5.53% |
| Q4 2025 | 6.11% | 3.47% | 3.06% | 9.47% | 5.16% |
| Q1 2026 | 5.21% | 3.42% | 2.19% | 8.38% | 4.90% |
| Q2 2026 | 5.12% | 3.53% | 1.96% | 9.15% | 4.96% |
Texas Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20099) · FFIEC NIC profile (RSSD 822556)