Texas Traditions 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.
The standout move of Q2 2026 was in Total interest expense: 11.2% higher than in Q1 2026, at $2.3M. Within Texas, Texas Traditions Bank is 120th of 345 on net interest margin, 4.42% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Texas Traditions Bank sits 0.47 points higher, at 4.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 8.09% |
| Yield on securities | 4.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 6.59% | 1.31% | 5.59% | 8.96% | 4.18% |
| Q4 2023 | 7.72% | 1.85% | 6.16% | 10.51% | 4.46% |
| Q1 2024 | 7.30% | 1.85% | 5.66% | 9.71% | 4.46% |
| Q2 2024 | 7.53% | 2.03% | 5.70% | 9.00% | 4.68% |
| Q3 2024 | 8.00% | 2.06% | 6.19% | 9.33% | 4.74% |
| Q4 2024 | 7.73% | 2.11% | 5.82% | 8.73% | 4.81% |
| Q1 2025 | 7.52% | 1.96% | 5.75% | 8.40% | 4.43% |
| Q2 2025 | 7.51% | 2.23% | 5.55% | 8.46% | 4.49% |
| Q3 2025 | 7.44% | 2.24% | 5.37% | 8.53% | 4.46% |
| Q4 2025 | 6.72% | 2.05% | 4.91% | 8.30% | 4.12% |
| Q1 2026 | 6.30% | 1.86% | 4.59% | 8.32% | 3.99% |
| Q2 2026 | 6.13% | 1.90% | 4.42% | 8.09% | 4.17% |
Texas Traditions 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 Traditions 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 Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59304) · FFIEC NIC profile (RSSD 5760439)