Trusttexas Bank, S.S.B.: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.6% between Q1 2026 and Q2 2026, to $1.6M. On net interest margin, Trusttexas Bank, S.S.B. is 15th from the bottom among 345 Texas banks, 2.55% (Q2 2026). Trusttexas Bank, S.S.B. reported 2.55% on net interest margin for Q2 2026, 1.40 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.10% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.55% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.6M |
| 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 |
|---|---|---|---|
| Q3 2023 | 3.86% | 2.09% | 1.89% |
| Q4 2023 | 3.98% | 2.26% | 1.85% |
| Q1 2024 | 3.93% | 2.40% | 1.69% |
| Q2 2024 | 3.95% | 2.37% | 1.71% |
| Q3 2024 | 3.86% | 2.38% | 1.65% |
| Q4 2024 | 3.91% | 2.18% | 1.87% |
| Q1 2025 | 3.85% | 2.01% | 1.96% |
| Q2 2025 | 4.14% | 1.68% | 2.57% |
| Q3 2025 | 4.14% | 1.73% | 2.53% |
| Q4 2025 | 4.04% | 1.73% | 2.43% |
| Q1 2026 | 4.12% | 1.75% | 2.48% |
| Q2 2026 | 4.10% | 1.65% | 2.55% |
Trusttexas Bank, S.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trusttexas Bank, S.S.B., 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 Trusttexas Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28515) · FFIEC NIC profile (RSSD 539872)