1st 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.
Net interest margin rose 0.37 percentage points from Q1 2026 to Q2 2026, ending at 3.38% against 3.01%. It was the largest change among the key lines on this page. Within Ohio, 1st National Bank is 106th of 156 on net interest margin, 3.38% as of Q2 2026, below the middle of the field. 1st National Bank reported 3.38% on net interest margin for Q2 2026, 0.57 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.81% |
| Yield on securities | 2.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 1.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| 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 | 5.16% | 2.61% | 2.57% | 5.45% | 2.66% |
| Q4 2023 | 5.29% | 3.09% | 2.29% | 5.67% | 2.77% |
| Q1 2024 | 5.23% | 2.99% | 2.21% | 5.51% | 2.56% |
| Q2 2024 | 5.25% | 3.03% | 2.18% | 5.51% | 2.72% |
| Q3 2024 | 5.39% | 2.76% | 2.55% | 5.61% | 2.61% |
| Q4 2024 | 5.18% | 2.64% | 2.55% | 5.42% | 2.65% |
| Q1 2025 | 5.11% | 2.43% | 2.66% | 5.37% | 2.50% |
| Q2 2025 | 5.27% | 2.16% | 3.10% | 5.59% | 2.51% |
| Q3 2025 | 5.18% | 2.17% | 3.02% | 5.47% | 2.48% |
| Q4 2025 | 5.30% | 2.08% | 3.23% | 5.73% | 2.52% |
| Q1 2026 | 4.96% | 1.99% | 3.01% | 5.50% | 2.50% |
| Q2 2026 | 5.29% | 1.96% | 3.38% | 5.81% | 2.55% |
1st 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 1st 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 1st National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6646) · FFIEC NIC profile (RSSD 480723)