Texas 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 Net interest margin, which rose 0.24 percentage points to 3.10%. Within Texas, Texas National Bank is 304th of 345 on net interest margin, 3.10% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Texas National Bank sits 0.85 points lower, at 3.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.95% |
| Yield on loans | 7.61% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.43% |
| Cost of interest-bearing liabilities | 1.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.10% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $743K |
| Total interest expense | $293K |
| Interest expense on deposits | $293K |
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 | 3.57% | 1.86% | 1.81% | 7.19% | 1.98% |
| Q4 2023 | 3.62% | 1.88% | 1.82% | 7.31% | 1.95% |
| Q1 2024 | 3.74% | 1.97% | 1.80% | 8.00% | 2.00% |
| Q2 2024 | 3.83% | 1.94% | 1.98% | 7.90% | 2.01% |
| Q3 2024 | 3.65% | 1.74% | 1.99% | 7.85% | 1.97% |
| Q4 2024 | 3.67% | 1.56% | 2.18% | 7.70% | 1.99% |
| Q1 2025 | 3.57% | 1.28% | 2.34% | 7.39% | 2.02% |
| Q2 2025 | 3.63% | 1.09% | 2.60% | 7.43% | 2.08% |
| Q3 2025 | 3.83% | 1.03% | 2.85% | 7.56% | 2.33% |
| Q4 2025 | 3.86% | 0.95% | 2.95% | 7.54% | 2.29% |
| Q1 2026 | 3.77% | 0.95% | 2.86% | 7.28% | 2.29% |
| Q2 2026 | 3.95% | 0.91% | 3.10% | 7.61% | 2.32% |
Texas 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 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34014) · FFIEC NIC profile (RSSD 1435092)