Worthington 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 Total interest expense, which rose 5.1% to $2.6M. Within Texas, Worthington Bank is 140th of 345 on net interest margin, 4.28% as of Q2 2026, above the middle of the field. Worthington Bank reported 4.28% on net interest margin for Q2 2026, 0.33 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.52% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.1M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.22% | 2.00% | 3.31% | 5.73% | 3.00% |
| Q4 2023 | 5.42% | 2.12% | 3.41% | 5.97% | 2.96% |
| Q1 2024 | 5.50% | 2.36% | 3.22% | 6.07% | 2.90% |
| Q2 2024 | 5.66% | 2.50% | 3.23% | 6.19% | 2.90% |
| Q3 2024 | 5.93% | 2.63% | 3.37% | 6.43% | 2.91% |
| Q4 2024 | 5.96% | 2.45% | 3.63% | 6.50% | 2.87% |
| Q1 2025 | 5.81% | 2.24% | 3.66% | 6.38% | 2.75% |
| Q2 2025 | 6.08% | 2.11% | 4.08% | 6.63% | 2.76% |
| Q3 2025 | 6.30% | 1.98% | 4.46% | 6.76% | 2.77% |
| Q4 2025 | 6.15% | 1.93% | 4.49% | 6.68% | 2.77% |
| Q1 2026 | 5.97% | 1.87% | 4.32% | 6.46% | 2.71% |
| Q2 2026 | 5.93% | 1.83% | 4.28% | 6.52% | 2.94% |
Worthington 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 Worthington 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 Worthington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57414) · FFIEC NIC profile (RSSD 3150205)