Texas Heritage National 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which fell 0.59 percentage points to 4.38%. Texas Heritage National Bank ranks 249th of 345 Texas banks on net interest margin, in the lower half at 3.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Texas Heritage National Bank sits 0.28 points lower, at 3.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.78% |
| Yield on loans | 7.18% |
| Yield on securities | 4.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.42% |
| Cost of interest-bearing deposits | 3.56% |
| Cost of interest-bearing liabilities | 3.49% |
| Cost of borrowings | 2.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.5M |
| Total interest expense | $7.1M |
| Interest expense on deposits | $6.9M |
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 | 6.07% | 3.61% | 2.62% | 6.15% | 8.66% |
| Q4 2023 | 6.38% | 3.77% | 2.86% | 6.52% | 6.32% |
| Q1 2024 | 6.64% | 4.01% | 2.94% | 6.72% | 6.56% |
| Q2 2024 | 6.94% | 4.19% | 3.12% | 7.15% | 6.43% |
| Q3 2024 | 7.31% | 4.41% | 3.38% | 7.61% | 9.38% |
| Q4 2024 | 7.26% | 4.20% | 3.55% | 7.66% | 6.38% |
| Q1 2025 | 7.10% | 3.86% | 3.65% | 7.41% | 5.77% |
| Q2 2025 | 7.21% | 3.92% | 3.75% | 7.50% | 5.63% |
| Q3 2025 | 7.21% | 3.79% | 3.72% | 7.57% | 4.52% |
| Q4 2025 | 6.90% | 3.68% | 3.53% | 7.24% | 5.57% |
| Q1 2026 | 6.71% | 3.44% | 3.55% | 7.06% | 4.97% |
| Q2 2026 | 6.78% | 3.42% | 3.67% | 7.18% | 4.38% |
Texas Heritage National 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 Heritage National 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 Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3161) · FFIEC NIC profile (RSSD 824653)