Wallis 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.32 percentage points to 4.99%. Wallis Bank ranks 49th of 345 Texas banks on net interest margin, in the upper half at 4.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Wallis Bank sits 1.28 points higher, at 4.99% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.41% |
| Yield on loans | 7.77% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 3.54% |
| Cost of interest-bearing liabilities | 3.40% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.99% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.6M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $7.4M |
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 | 9.25% | 2.34% | 7.00% | 9.69% | 1.95% |
| Q4 2023 | 9.07% | 2.81% | 6.34% | 9.57% | 1.75% |
| Q1 2024 | 8.94% | 3.07% | 5.95% | 9.52% | 1.93% |
| Q2 2024 | 8.82% | 3.21% | 5.70% | 9.52% | 3.41% |
| Q3 2024 | 8.58% | 3.28% | 5.43% | 9.26% | 2.71% |
| Q4 2024 | 8.81% | 3.02% | 5.90% | 9.28% | 2.83% |
| Q1 2025 | 7.88% | 2.76% | 5.17% | 8.30% | 3.78% |
| Q2 2025 | 8.23% | 2.83% | 5.41% | 8.56% | 3.93% |
| Q3 2025 | 8.08% | 2.85% | 5.26% | 8.69% | 3.97% |
| Q4 2025 | 7.56% | 2.73% | 4.88% | 8.01% | 3.94% |
| Q1 2026 | 7.18% | 2.51% | 4.67% | 7.61% | 3.53% |
| Q2 2026 | 7.41% | 2.42% | 4.99% | 7.77% | 3.96% |
Wallis 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 Wallis 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 Wallis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20845) · FFIEC NIC profile (RSSD 283867)