Zavala County 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 Q2 2026 and Q3 2026 was in Yield on loans, which rose 0.58 percentage points to 9.66%. Zavala County Bank ranks 271st of 345 Texas banks on net interest margin, in the lower half at 3.43% (Q3 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Zavala County Bank sits 0.46 points lower, at 3.43% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 3.96% |
| Yield on loans | 9.66% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.60% |
| Cost of interest-bearing deposits | 0.94% |
| Cost of interest-bearing liabilities | 0.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $142K |
| Total interest expense | $98K |
| Interest expense on deposits | $98K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.12% | 0.43% | 3.71% | 9.48% | 2.64% |
| Q1 2024 | 3.94% | 0.44% | 3.51% | 9.43% | 2.64% |
| Q2 2024 | 4.19% | 0.47% | 3.75% | 9.67% | 2.64% |
| Q3 2024 | 3.95% | 0.48% | 3.51% | 9.85% | 2.64% |
| Q4 2024 | 3.86% | 0.50% | 3.40% | 9.70% | 2.42% |
| Q1 2025 | 3.78% | 0.48% | 3.32% | 9.34% | 2.90% |
| Q2 2025 | 4.01% | 0.50% | 3.55% | 9.16% | 3.07% |
| Q3 2025 | 3.99% | 0.50% | 3.52% | 9.54% | 3.12% |
| Q4 2025 | 4.30% | 0.49% | 3.84% | 9.03% | 3.26% |
| Q1 2026 | 3.87% | 0.48% | 3.42% | 8.68% | 3.38% |
| Q2 2026 | 4.07% | 0.55% | 3.57% | 9.08% | 3.48% |
| Q3 2026 | 3.96% | 0.60% | 3.43% | 9.66% | 3.46% |
Zavala County 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 Zavala County 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 Zavala County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15105) · FFIEC NIC profile (RSSD 969956)