VeraBank, N.A.: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
VeraBank, N.A. reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.54% in Q3 2026, down 0.16 percentage points from 5.70% in Q3 2025. Across the 12 quarters shown it ranged from 5.38% (Q4 2023) to 5.88% (Q4 2024).
Total interest expense climbed 13.3% in Q3 2026, from $12.8M to $14.6M. It was the largest change from Q2 2026 among the key lines here. VeraBank, N.A. ranks 153rd of 344 Texas banks on net interest margin, in the upper half at 4.23% (Q3 2026). VeraBank, N.A. reported 4.23% on net interest margin for Q3 2026, 0.44 points above the 3.79% median for banks in the $1B-10B asset tier.
Asset yields
Yield on securities changed the most here, up 0.15 points to 3.56% in Q3 2026 from 3.41% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.66% |
| Yield on securities | 3.56% |
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Funding costs
Cost of interest-bearing deposits changed the most here, up 0.14 points to 1.98% in Q3 2026 from 1.84% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.12% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 0.00% |
Spread and margin
Largest change in this table: net interest margin, down 0.10 points to 4.23% in Q3 2026 after 4.33% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $46.1M |
| Total interest expense | $14.6M |
| Interest expense on deposits | $14.6M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.38% | 1.30% | 3.86% | 5.95% | 3.28% |
| Q1 2024 | 5.42% | 1.43% | 3.75% | 6.02% | 3.21% |
| Q2 2024 | 5.49% | 1.47% | 3.79% | 6.11% | 3.25% |
| Q3 2024 | 5.68% | 1.55% | 3.88% | 6.35% | 3.18% |
| Q4 2024 | 5.88% | 1.47% | 4.18% | 6.72% | 3.36% |
| Q1 2025 | 5.51% | 1.30% | 3.99% | 6.27% | 3.26% |
| Q2 2025 | 5.63% | 1.25% | 4.17% | 6.38% | 3.38% |
| Q3 2025 | 5.70% | 1.23% | 4.27% | 6.48% | 3.43% |
| Q4 2025 | 5.52% | 1.15% | 4.19% | 6.48% | 3.21% |
| Q1 2026 | 5.44% | 1.05% | 4.21% | 6.49% | 3.16% |
| Q2 2026 | 5.53% | 1.02% | 4.33% | 6.56% | 3.41% |
| Q3 2026 | 5.54% | 1.12% | 4.23% | 6.66% | 3.56% |
VeraBank, N.A. yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full VeraBank, N.A. profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 3250) · FFIEC NIC profile (RSSD 56351)