Vantage Bank 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 Yield on securities, which rose 0.75 percentage points to 3.03%. Vantage Bank Texas ranks 201st of 345 Texas banks on net interest margin, in the lower half at 3.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Vantage Bank Texas sits 0.28 points higher, at 3.99% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $63.9M |
| Total interest expense | $23.0M |
| Interest expense on deposits | $23.0M |
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 | 6.01% | 2.23% | 3.93% |
| Q4 2023 | 6.34% | 2.41% | 4.12% |
| Q1 2024 | 6.08% | 2.63% | 3.64% |
| Q2 2024 | 6.12% | 2.87% | 3.40% |
| Q3 2024 | 6.17% | 2.94% | 3.42% |
| Q4 2024 | 6.03% | 2.71% | 3.51% |
| Q1 2025 | 5.90% | 2.45% | 3.62% |
| Q2 2025 | 5.99% | 2.48% | 3.68% |
| Q3 2025 | 6.07% | 2.50% | 3.74% |
| Q4 2025 | 5.98% | 2.27% | 3.88% |
| Q1 2026 | 5.79% | 2.05% | 3.88% |
| Q2 2026 | 5.88% | 2.03% | 3.99% |
Vantage Bank 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 Vantage Bank 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 Vantage Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3405) · FFIEC NIC profile (RSSD 26765)