Texas National Bank of Jacksonville: 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 Q2 2026 and Q3 2026 was in Yield on securities, which rose 0.49 percentage points to 2.33%. Texas National Bank of Jacksonville ranks 207th of 345 Texas banks on net interest margin, in the lower half at 3.94% (Q3 2026). At 3.93%, Texas National Bank of Jacksonville's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 7.23% |
| Yield on securities | 2.33% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.70% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 6.09% | 3.18% | 3.26% | 6.33% | 2.01% |
| Q1 2024 | 6.14% | 3.34% | 3.16% | 6.44% | 1.14% |
| Q2 2024 | 6.34% | 3.55% | 3.20% | 6.65% | 1.13% |
| Q3 2024 | 6.46% | 3.68% | 3.18% | 6.82% | 1.72% |
| Q4 2024 | 6.53% | 3.48% | 3.46% | 7.00% | 1.45% |
| Q1 2025 | 6.50% | 3.21% | 3.66% | 6.99% | 1.12% |
| Q2 2025 | 6.71% | 3.08% | 3.99% | 7.23% | 1.08% |
| Q3 2025 | 6.65% | 3.02% | 4.02% | 7.27% | 1.61% |
| Q4 2025 | 6.62% | 2.90% | 4.14% | 7.31% | 1.53% |
| Q1 2026 | 6.60% | 2.68% | 4.21% | 7.31% | 1.13% |
| Q2 2026 | 6.29% | 2.68% | 3.94% | 7.10% | 1.84% |
| Q3 2026 | 6.32% | 2.70% | 3.93% | 7.23% | 2.33% |
Texas National Bank of Jacksonville 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 of Jacksonville, 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 of Jacksonville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26181) · FFIEC NIC profile (RSSD 739355)