Texas Republic Bank, N.A.: 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.
Compared with Q1 2026, Total interest expense rose 4.7% in Q2 2026 to $2.6M, the biggest move on this page. On net interest margin, Texas Republic Bank, N.A. ranks 33rd highest among the 345 banks headquartered in Texas, at 5.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Texas Republic Bank, N.A. sits 1.24 points higher, at 5.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.26% |
| Yield on loans | 7.76% |
| Yield on securities | 4.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 3.03% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 4.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.19% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.1M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 6.79% | 2.35% | 4.71% | 7.01% | 5.15% |
| Q4 2023 | 6.90% | 2.58% | 4.59% | 7.13% | 5.36% |
| Q1 2024 | 6.86% | 2.85% | 4.32% | 7.13% | 5.26% |
| Q2 2024 | 6.90% | 2.95% | 4.27% | 7.21% | 5.46% |
| Q3 2024 | 7.18% | 2.99% | 4.50% | 7.51% | 5.36% |
| Q4 2024 | 7.18% | 2.73% | 4.75% | 7.64% | 4.66% |
| Q1 2025 | 6.92% | 2.58% | 4.64% | 7.35% | 4.72% |
| Q2 2025 | 7.18% | 2.51% | 4.99% | 7.63% | 4.66% |
| Q3 2025 | 7.43% | 2.50% | 5.22% | 7.82% | 4.52% |
| Q4 2025 | 7.25% | 2.40% | 5.17% | 7.68% | 4.45% |
| Q1 2026 | 7.15% | 2.28% | 5.15% | 7.81% | 4.11% |
| Q2 2026 | 7.26% | 2.34% | 5.19% | 7.76% | 4.43% |
Texas Republic Bank, N.A. 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 Republic Bank, N.A., 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 Republic Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3400) · FFIEC NIC profile (RSSD 735067)