Titan 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.
Total interest expense dropped 17.1% in Q2 2026, from $2.7M to $2.2M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Titan Bank, N.A. is 169th of 345 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. Titan Bank, N.A. reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 6.71% |
| Yield on securities | 5.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 2.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | 5.46% | 0.82% | 4.63% | 5.92% | 4.19% |
| Q4 2023 | 5.71% | 0.83% | 4.82% | 6.10% | 4.75% |
| Q1 2024 | 5.75% | 0.78% | 4.92% | 6.59% | 4.49% |
| Q2 2024 | 6.02% | 1.27% | 4.75% | 6.62% | 4.64% |
| Q3 2024 | 5.95% | 1.07% | 4.67% | 6.76% | 4.82% |
| Q4 2024 | 5.79% | 1.12% | 4.27% | 6.88% | 5.06% |
| Q1 2025 | 5.59% | 1.03% | 4.17% | 7.03% | 4.94% |
| Q2 2025 | 5.55% | 1.08% | 4.12% | 6.58% | 5.22% |
| Q3 2025 | 5.37% | 1.03% | 4.10% | 6.81% | 5.30% |
| Q4 2025 | 5.48% | 1.15% | 4.02% | 6.74% | 5.36% |
| Q1 2026 | 5.42% | 0.89% | 4.24% | 6.73% | 4.96% |
| Q2 2026 | 4.83% | 1.11% | 4.15% | 6.71% | 5.08% |
Titan 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 Titan 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 Titan Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3225) · FFIEC NIC profile (RSSD 328357)