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.
Total interest expense climbed 8.2% in Q2 2026, from $5.8M to $6.2M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas National Bank is 122nd of 345 on net interest margin, 4.41% as of Q2 2026, above the middle of the field. Texas National Bank reported 4.41% on net interest margin for Q2 2026, 0.70 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.69% |
| Yield on loans | 7.91% |
| Yield on securities | 4.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.20% |
| Cost of borrowings | 4.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.5M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $5.9M |
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 | 5.95% | 1.96% | 4.08% | 7.55% | 2.79% |
| Q4 2023 | 6.28% | 2.38% | 4.03% | 7.95% | 2.81% |
| Q1 2024 | 6.11% | 2.61% | 3.63% | 7.59% | 2.82% |
| Q2 2024 | 6.59% | 2.66% | 4.07% | 8.05% | 2.75% |
| Q3 2024 | 6.74% | 2.63% | 4.24% | 8.06% | 2.34% |
| Q4 2024 | 7.06% | 2.47% | 4.69% | 8.40% | 2.49% |
| Q1 2025 | 6.69% | 2.42% | 4.34% | 7.96% | 2.68% |
| Q2 2025 | 6.91% | 2.37% | 4.60% | 8.09% | 2.55% |
| Q3 2025 | 6.92% | 2.33% | 4.65% | 8.16% | 3.01% |
| Q4 2025 | 6.91% | 2.28% | 4.67% | 8.13% | 3.62% |
| Q1 2026 | 6.68% | 2.20% | 4.49% | 7.85% | 4.07% |
| Q2 2026 | 6.69% | 2.29% | 4.41% | 7.91% | 4.36% |
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 3337) · FFIEC NIC profile (RSSD 497954)