Ubank: 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 standout move of Q2 2026 was in Net interest margin: 0.78 percentage points higher than in Q1 2026, at 5.48%. On net interest margin, Ubank ranks 22nd highest among the 345 banks headquartered in Texas, at 5.48% (Q2 2026). Ubank reported 5.48% on net interest margin for Q2 2026, 1.77 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.80% |
| Yield on loans | 8.23% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.48% |
| Yield to cost spread | 5.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.4M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $4.8M |
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 | 6.63% | 2.40% | 4.02% | 6.87% | 2.32% |
| Q4 2023 | 6.99% | 2.60% | 4.26% | 7.05% | 2.39% |
| Q1 2024 | 6.59% | 2.83% | 3.92% | 7.08% | 2.73% |
| Q2 2024 | 6.71% | 2.80% | 4.05% | 7.40% | 2.52% |
| Q3 2024 | 7.36% | 2.76% | 4.66% | 7.87% | 2.10% |
| Q4 2024 | 7.38% | 3.20% | 4.43% | 7.98% | 3.79% |
| Q1 2025 | 7.09% | 2.82% | 4.40% | 7.81% | 2.82% |
| Q2 2025 | 7.36% | 2.77% | 4.65% | 8.26% | 2.23% |
| Q3 2025 | 7.35% | 2.64% | 4.69% | 8.11% | 2.20% |
| Q4 2025 | 7.41% | 2.57% | 4.90% | 7.99% | 2.12% |
| Q1 2026 | 7.14% | 2.66% | 4.70% | 7.88% | 3.03% |
| Q2 2026 | 7.80% | 2.35% | 5.48% | 8.23% | 2.89% |
Ubank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ubank, 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 Ubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18344) · FFIEC NIC profile (RSSD 917555)