TXN 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.
Cost of borrowings climbed 3.45 percentage points in Q2 2026, from 0.00% to 3.45%. It was the largest change from Q1 2026 among the key lines here. Within Texas, TXN Bank is 271st of 345 on net interest margin, 3.45% as of Q2 2026. TXN Bank reported 3.45% on net interest margin for Q2 2026, 0.49 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 7.03% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 4.45% | 2.08% | 2.38% | 6.61% | 2.09% |
| Q4 2023 | 4.83% | 2.16% | 2.68% | 7.17% | 2.16% |
| Q1 2024 | 4.77% | 2.27% | 2.47% | 7.02% | 2.11% |
| Q2 2024 | 4.76% | 2.35% | 2.42% | 6.79% | 2.23% |
| Q3 2024 | 4.88% | 2.29% | 2.61% | 7.05% | 2.15% |
| Q4 2024 | 4.92% | 2.09% | 2.86% | 7.11% | 2.20% |
| Q1 2025 | 4.87% | 1.87% | 2.98% | 7.00% | 2.21% |
| Q2 2025 | 5.03% | 1.77% | 3.26% | 7.05% | 2.21% |
| Q3 2025 | 5.08% | 1.70% | 3.38% | 7.13% | 2.18% |
| Q4 2025 | 5.11% | 1.63% | 3.50% | 7.12% | 2.16% |
| Q1 2026 | 5.02% | 1.55% | 3.46% | 6.96% | 2.24% |
| Q2 2026 | 5.01% | 1.57% | 3.45% | 7.03% | 2.32% |
TXN 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 TXN 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 TXN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15345) · FFIEC NIC profile (RSSD 77253)