Trinity Capital Bank of Texas: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.7% to $2.1M. Within Texas, Trinity Capital Bank of Texas is 138th of 345 on net interest margin, 4.30% as of Q2 2026, above the middle of the field. Trinity Capital Bank of Texas reported 4.30% on net interest margin for Q2 2026, 0.35 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 7.15% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.6M |
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 | 5.28% | 2.01% | 3.34% | 6.42% | 1.92% |
| Q4 2023 | 5.41% | 2.16% | 3.33% | 6.56% | 1.93% |
| Q1 2024 | 5.65% | 2.27% | 3.47% | 6.83% | 1.96% |
| Q2 2024 | 5.63% | 2.43% | 3.32% | 6.77% | 1.96% |
| Q3 2024 | 5.96% | 2.48% | 3.60% | 7.13% | 1.96% |
| Q4 2024 | 6.13% | 2.39% | 3.88% | 7.28% | 1.97% |
| Q1 2025 | 5.89% | 2.25% | 3.71% | 6.91% | 1.95% |
| Q2 2025 | 6.07% | 2.23% | 3.93% | 7.14% | 1.96% |
| Q3 2025 | 6.21% | 2.19% | 4.12% | 7.32% | 1.96% |
| Q4 2025 | 6.42% | 2.13% | 4.44% | 7.44% | 1.97% |
| Q1 2026 | 6.22% | 2.08% | 4.26% | 7.14% | 1.99% |
| Q2 2026 | 6.27% | 2.09% | 4.30% | 7.15% | 1.99% |
Trinity Capital Bank of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trinity Capital Bank of Texas, 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 Trinity Capital Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13000) · FFIEC NIC profile (RSSD 435059)