Yoakum 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 fell 5.5% to $1.1M. Within Texas, Yoakum Bank is 111th of 345 on net interest margin, 4.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Yoakum Bank sits 0.55 points higher, at 4.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 7.24% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.01% | 1.73% | 3.38% | 6.60% | 2.08% |
| Q4 2023 | 5.26% | 2.11% | 3.31% | 6.90% | 2.09% |
| Q1 2024 | 5.34% | 2.13% | 3.33% | 6.92% | 2.16% |
| Q2 2024 | 5.45% | 2.18% | 3.43% | 7.04% | 2.15% |
| Q3 2024 | 5.61% | 2.07% | 3.64% | 7.23% | 2.17% |
| Q4 2024 | 5.81% | 2.03% | 3.88% | 7.42% | 2.20% |
| Q1 2025 | 5.63% | 1.82% | 3.88% | 7.12% | 2.16% |
| Q2 2025 | 5.73% | 1.67% | 4.12% | 7.24% | 2.30% |
| Q3 2025 | 5.77% | 1.43% | 4.40% | 7.29% | 2.70% |
| Q4 2025 | 5.66% | 1.41% | 4.30% | 7.11% | 2.70% |
| Q1 2026 | 5.75% | 1.29% | 4.48% | 7.32% | 2.89% |
| Q2 2026 | 5.66% | 1.22% | 4.49% | 7.24% | 2.88% |
Yoakum 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 Yoakum 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 Yoakum Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5595) · FFIEC NIC profile (RSSD 311265)