Wells Fargo Bank South Central, N.A.: 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.
Compared with Q1 2026, Total interest expense fell 6.4% in Q2 2026 to $9.0M, the biggest move on this page. Wells Fargo Bank South Central, N.A. has the 7th lowest net interest margin of the 345 banks headquartered in Texas, at 2.36% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Wells Fargo Bank South Central, N.A. sits 1.35 points lower, at 2.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.74% |
| Yield on loans | 3.77% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.36% |
| Yield to cost spread | 1.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.4M |
| Total interest expense | $9.0M |
| Interest expense on deposits | $9.0M |
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 | Loans |
|---|---|---|---|---|
| Q3 2023 | 4.13% | 4.17% | 0.83% | 3.57% |
| Q4 2023 | 4.17% | 3.99% | 1.05% | 3.57% |
| Q1 2024 | 4.31% | 3.62% | 1.51% | 3.73% |
| Q2 2024 | 4.44% | 3.49% | 1.81% | 3.86% |
| Q3 2024 | 4.49% | 3.48% | 1.87% | 3.90% |
| Q4 2024 | 4.26% | 3.15% | 1.77% | 3.86% |
| Q1 2025 | 4.13% | 2.92% | 1.87% | 3.92% |
| Q2 2025 | 4.12% | 2.95% | 1.95% | 3.86% |
| Q3 2025 | 4.09% | 2.88% | 2.04% | 3.84% |
| Q4 2025 | 4.00% | 2.46% | 2.35% | 3.97% |
| Q1 2026 | 3.75% | 2.12% | 2.34% | 3.80% |
| Q2 2026 | 3.74% | 2.13% | 2.36% | 3.77% |
Wells Fargo Bank South Central, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells Fargo Bank South Central, N.A., 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 Wells Fargo Bank South Central, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5146) · FFIEC NIC profile (RSSD 2362458)