TIB, 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, Net interest margin rose 0.13 percentage points in Q2 2026 to 2.72%, the biggest move on this page. TIB, N.A. has the 19th lowest net interest margin of the 345 banks headquartered in Texas, at 2.72% as of Q2 2026. TIB, N.A. reported 2.72% on net interest margin for Q2 2026, 0.99 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 6.53% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.89% |
| Cost of interest-bearing deposits | 4.20% |
| Cost of interest-bearing liabilities | 4.02% |
| Cost of borrowings | 1.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.72% |
| Yield to cost spread | 1.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.0M |
| Total interest expense | $20.2M |
| Interest expense on deposits | $19.8M |
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 | 5.66% | 4.38% | 1.68% | 6.32% | 2.59% |
| Q4 2023 | 5.78% | 4.51% | 1.74% | 6.52% | 3.26% |
| Q1 2024 | 5.89% | 4.47% | 1.90% | 6.61% | 3.36% |
| Q2 2024 | 6.10% | 4.47% | 2.09% | 6.74% | 4.28% |
| Q3 2024 | 6.18% | 4.49% | 2.21% | 6.77% | 4.37% |
| Q4 2024 | 5.80% | 3.86% | 2.31% | 6.55% | 4.29% |
| Q1 2025 | 5.68% | 3.49% | 2.53% | 6.57% | 4.20% |
| Q2 2025 | 5.58% | 3.53% | 2.42% | 6.43% | 4.17% |
| Q3 2025 | 5.74% | 3.55% | 2.58% | 6.65% | 4.11% |
| Q4 2025 | 5.42% | 3.25% | 2.51% | 6.47% | 4.08% |
| Q1 2026 | 5.20% | 2.91% | 2.59% | 6.45% | 4.11% |
| Q2 2026 | 5.28% | 2.89% | 2.72% | 6.53% | 4.21% |
TIB, 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 TIB, 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 TIB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23647) · FFIEC NIC profile (RSSD 529958)