Woodforest 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 standout move of Q2 2026 was in Total interest expense: 12.3% lower than in Q1 2026, at $20.6M. Within Texas, Woodforest National Bank is 119th of 345 on net interest margin, 4.43% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Woodforest National Bank sits 0.72 points higher, at 4.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $97.7M |
| Total interest expense | $20.6M |
| Interest expense on deposits | $20.6M |
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 | 5.93% | 1.48% | 4.49% |
| Q4 2023 | 6.08% | 1.67% | 4.44% |
| Q1 2024 | 6.13% | 1.74% | 4.42% |
| Q2 2024 | 6.20% | 1.74% | 4.50% |
| Q3 2024 | 6.40% | 1.70% | 4.74% |
| Q4 2024 | 5.82% | 1.48% | 4.40% |
| Q1 2025 | 5.64% | 1.30% | 4.36% |
| Q2 2025 | 5.93% | 1.29% | 4.66% |
| Q3 2025 | 5.88% | 1.33% | 4.59% |
| Q4 2025 | 5.41% | 1.20% | 4.25% |
| Q1 2026 | 5.28% | 1.10% | 4.21% |
| Q2 2026 | 5.40% | 1.01% | 4.43% |
Woodforest 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 Woodforest 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 Woodforest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23220) · FFIEC NIC profile (RSSD 412751)