Texas Security 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 11.5% in Q2 2026, from $6.0M to $6.7M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Security Bank is 253rd of 345 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. At 3.61%, Texas Security 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 | 5.54% |
| Yield on loans | 6.52% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.6M |
| Total interest expense | $6.7M |
| Interest expense on deposits | $5.8M |
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 | 5.32% | 2.72% | 2.82% | 6.11% | 2.77% |
| Q4 2023 | 5.39% | 2.76% | 2.90% | 6.16% | 2.83% |
| Q1 2024 | 5.51% | 2.87% | 2.86% | 6.32% | 2.81% |
| Q2 2024 | 5.54% | 3.06% | 2.73% | 6.37% | 2.79% |
| Q3 2024 | 5.61% | 3.18% | 2.71% | 6.47% | 2.80% |
| Q4 2024 | 5.49% | 2.89% | 2.84% | 6.57% | 2.58% |
| Q1 2025 | 5.33% | 2.44% | 3.06% | 6.23% | 2.56% |
| Q2 2025 | 5.41% | 2.52% | 3.10% | 6.40% | 2.56% |
| Q3 2025 | 5.62% | 2.53% | 3.31% | 6.66% | 2.53% |
| Q4 2025 | 5.49% | 2.31% | 3.36% | 6.50% | 2.52% |
| Q1 2026 | 5.47% | 2.00% | 3.62% | 6.45% | 2.36% |
| Q2 2026 | 5.54% | 2.12% | 3.61% | 6.52% | 2.41% |
Texas Security 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 Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58739) · FFIEC NIC profile (RSSD 3619216)