West Texas National 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 0.30 percentage points to 4.09%. West Texas National Bank ranks 181st of 345 Texas banks on net interest margin, in the lower half at 4.09% (Q2 2026). West Texas National Bank reported 4.09% on net interest margin for Q2 2026, 0.38 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 7.09% |
| Yield on securities | 4.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.0M |
| Total interest expense | $11.3M |
| Interest expense on deposits | $11.3M |
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 | 5.67% | 1.58% | 3.80% | 7.31% | 2.52% |
| Q4 2023 | 5.79% | 1.72% | 3.82% | 7.33% | 2.55% |
| Q1 2024 | 5.88% | 1.86% | 3.90% | 7.54% | 2.55% |
| Q2 2024 | 6.20% | 1.87% | 4.15% | 7.64% | 2.68% |
| Q3 2024 | 6.19% | 1.94% | 4.08% | 7.85% | 2.71% |
| Q4 2024 | 5.90% | 2.28% | 4.00% | 7.40% | 2.98% |
| Q1 2025 | 5.45% | 2.04% | 3.52% | 7.00% | 3.47% |
| Q2 2025 | 6.04% | 2.20% | 4.06% | 7.49% | 3.74% |
| Q3 2025 | 5.87% | 2.14% | 3.91% | 7.27% | 3.82% |
| Q4 2025 | 5.84% | 1.94% | 4.06% | 7.11% | 3.88% |
| Q1 2026 | 5.43% | 1.78% | 3.79% | 6.79% | 3.95% |
| Q2 2026 | 5.74% | 1.84% | 4.09% | 7.09% | 4.08% |
West Texas National 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 West Texas National 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 West Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22957) · FFIEC NIC profile (RSSD 237066)