1st Trust Bank, Inc.: 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 Cost of borrowings: 2.05 percentage points higher than in Q1 2026, at 2.05%. 1st Trust Bank, Inc. ranks 87th of 119 Kentucky banks on net interest margin, in the lower half at 3.60% (Q2 2026). 1st Trust Bank, Inc. reported 3.60% on net interest margin for Q2 2026, 0.35 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.49% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 2.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
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 | 4.84% | 1.97% | 3.02% | 5.26% | 2.13% |
| Q4 2023 | 4.99% | 2.37% | 2.76% | 5.42% | 2.12% |
| Q1 2024 | 5.06% | 2.60% | 2.66% | 5.48% | 2.17% |
| Q2 2024 | 5.30% | 2.76% | 2.74% | 5.70% | 2.12% |
| Q3 2024 | 5.52% | 2.95% | 2.75% | 6.00% | 2.22% |
| Q4 2024 | 5.62% | 2.90% | 2.87% | 6.09% | 2.22% |
| Q1 2025 | 5.56% | 2.74% | 2.92% | 6.08% | 2.23% |
| Q2 2025 | 5.71% | 2.75% | 3.09% | 6.26% | 2.23% |
| Q3 2025 | 5.81% | 2.77% | 3.20% | 6.40% | 2.29% |
| Q4 2025 | 5.86% | 2.71% | 3.34% | 6.46% | 2.30% |
| Q1 2026 | 5.79% | 2.57% | 3.40% | 6.35% | 2.32% |
| Q2 2026 | 6.01% | 2.59% | 3.60% | 6.49% | 2.39% |
1st Trust Bank, Inc. 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 Trust Bank, Inc., 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 Trust Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57869) · FFIEC NIC profile (RSSD 3309393)