Third Coast 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 Cost of borrowings: 3.37 percentage points lower than in Q1 2026, at -6.65%. Third Coast Bank ranks 203rd of 345 Texas banks on net interest margin, in the lower half at 3.97% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Third Coast Bank sits 0.26 points higher, at 3.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.75% |
| Yield on loans | 7.07% |
| Yield on securities | 5.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.04% |
| Cost of interest-bearing deposits | 3.40% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | -6.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $94.5M |
| Total interest expense | $43.6M |
| Interest expense on deposits | $44.0M |
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 | 7.27% | 3.79% | 3.90% | 7.52% | 3.84% |
| Q4 2023 | 7.44% | 4.09% | 3.81% | 7.75% | 5.18% |
| Q1 2024 | 7.32% | 4.08% | 3.73% | 7.60% | 5.97% |
| Q2 2024 | 7.46% | 4.19% | 3.75% | 7.74% | 5.91% |
| Q3 2024 | 7.58% | 4.19% | 3.87% | 7.84% | 5.96% |
| Q4 2024 | 7.32% | 3.85% | 3.86% | 7.69% | 5.75% |
| Q1 2025 | 7.08% | 3.51% | 3.91% | 7.34% | 5.71% |
| Q2 2025 | 7.53% | 3.61% | 4.35% | 7.89% | 5.72% |
| Q3 2025 | 7.60% | 3.66% | 4.32% | 7.94% | 6.00% |
| Q4 2025 | 7.31% | 3.46% | 4.29% | 7.59% | 6.21% |
| Q1 2026 | 6.75% | 3.13% | 3.85% | 7.11% | 5.81% |
| Q2 2026 | 6.75% | 3.04% | 3.97% | 7.07% | 5.84% |
Third Coast 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 Third Coast 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 Third Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58716) · FFIEC NIC profile (RSSD 3630323)