Valuebank 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.84% against 4.64%. It was the largest change among the key lines on this page. Valuebank Texas ranks 62nd of 345 Texas banks on net interest margin, in the upper half at 4.84% (Q2 2026). Valuebank Texas reported 4.84% on net interest margin for Q2 2026, 0.90 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 7.33% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.84% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $658K |
| Interest expense on deposits | $658K |
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 | 5.40% | 0.53% | 4.91% | 7.16% | 2.03% |
| Q4 2023 | 5.60% | 0.62% | 5.03% | 7.30% | 2.09% |
| Q1 2024 | 5.73% | 0.78% | 5.01% | 7.36% | 2.18% |
| Q2 2024 | 5.84% | 0.86% | 5.05% | 7.38% | 2.30% |
| Q3 2024 | 5.97% | 0.96% | 5.09% | 7.47% | 2.36% |
| Q4 2024 | 5.64% | 0.98% | 4.76% | 7.33% | 2.57% |
| Q1 2025 | 5.83% | 1.00% | 4.90% | 7.43% | 2.82% |
| Q2 2025 | 5.82% | 1.00% | 4.90% | 7.46% | 2.98% |
| Q3 2025 | 5.80% | 1.04% | 4.86% | 7.44% | 3.04% |
| Q4 2025 | 6.07% | 1.03% | 5.13% | 7.93% | 3.24% |
| Q1 2026 | 5.61% | 1.02% | 4.64% | 7.07% | 3.36% |
| Q2 2026 | 5.77% | 1.00% | 4.84% | 7.33% | 3.46% |
Valuebank 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 Valuebank 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 Valuebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19700) · FFIEC NIC profile (RSSD 964157)