Texas First Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Texas First Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.45% in Q3 2026, up 0.06 percentage points from 5.39% in Q3 2025. Across the 12 quarters shown it ranged from 4.63% (Q4 2023) to 5.45% (Q3 2026).
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.0% between Q2 2026 and Q3 2026, to $7.8M. Within Texas, Texas First Bank is 190th of 344 on net interest margin, 4.06% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin. Texas First Bank sits 0.27 points higher, at 4.06% (Q3 2026).
Asset yields
Yield on earning assets moved most in this table, up 0.07 points: 5.38% in Q2 2026, 5.45% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 7.21% |
| Yield on securities | 2.81% |
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Funding costs
Cost of funds changed the most here, up 0.18 points to 1.18% in Q3 2026 from 1.00% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 6.15% |
Spread and margin
Largest change in this table: net interest margin, up 0.03 points to 4.06% in Q3 2026 after 4.03% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $24.2M |
| Total interest expense | $7.8M |
| Interest expense on deposits | $7.1M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.63% | 1.38% | 2.92% | 6.50% | 2.25% |
| Q1 2024 | 4.77% | 1.45% | 2.99% | 6.64% | 2.25% |
| Q2 2024 | 4.95% | 1.47% | 3.12% | 6.84% | 2.24% |
| Q3 2024 | 5.25% | 1.58% | 3.30% | 7.24% | 2.33% |
| Q4 2024 | 5.16% | 1.43% | 3.38% | 7.06% | 2.28% |
| Q1 2025 | 5.05% | 1.32% | 3.41% | 6.92% | 2.39% |
| Q2 2025 | 5.21% | 1.32% | 3.59% | 7.13% | 2.50% |
| Q3 2025 | 5.39% | 1.28% | 3.82% | 7.29% | 2.60% |
| Q4 2025 | 5.42% | 1.09% | 3.97% | 7.36% | 2.62% |
| Q1 2026 | 5.22% | 1.01% | 3.84% | 7.00% | 2.73% |
| Q2 2026 | 5.38% | 1.00% | 4.03% | 7.14% | 2.79% |
| Q3 2026 | 5.45% | 1.18% | 4.06% | 7.21% | 2.81% |
Texas First Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Texas First Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23799) · FFIEC NIC profile (RSSD 473266)