Texas Regional 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.
Cost of borrowings dropped 1.32 percentage points in Q2 2026, from 6.54% to 5.22%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Regional Bank is 240th of 345 on net interest margin, 3.73% as of Q2 2026, below the middle of the field. At 3.73%, Texas Regional Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.85% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | 5.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.2M |
| Total interest expense | $13.7M |
| Interest expense on deposits | $11.0M |
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 | 5.24% | 1.44% | 3.46% | 6.33% | 3.65% |
| Q4 2023 | 5.36% | 1.63% | 3.37% | 6.44% | 3.73% |
| Q1 2024 | 5.26% | 1.71% | 3.14% | 6.38% | 3.65% |
| Q2 2024 | 5.37% | 1.75% | 3.25% | 6.49% | 3.71% |
| Q3 2024 | 5.44% | 1.86% | 3.17% | 6.66% | 3.66% |
| Q4 2024 | 5.53% | 2.32% | 3.30% | 6.91% | 3.57% |
| Q1 2025 | 5.35% | 2.17% | 3.22% | 6.60% | 3.43% |
| Q2 2025 | 5.62% | 2.21% | 3.49% | 6.96% | 3.46% |
| Q3 2025 | 5.61% | 2.19% | 3.51% | 7.00% | 3.49% |
| Q4 2025 | 6.06% | 2.60% | 3.56% | 6.88% | 3.45% |
| Q1 2026 | 5.37% | 2.00% | 3.44% | 6.68% | 3.02% |
| Q2 2026 | 5.72% | 2.06% | 3.73% | 6.85% | 3.49% |
Texas Regional 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 Regional 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 Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26906) · FFIEC NIC profile (RSSD 380458)