The Falls City 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.
In Q2 2026, Yield on loans edged down by 0.14 percentage points, from 7.50% to 7.36%, the largest move among the key lines here. Within Texas, The Falls City National Bank is 273rd of 345 on net interest margin, 3.39% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Falls City National Bank sits 0.56 points lower, at 3.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 7.36% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 4.41% | 1.10% | 3.42% | 7.72% | 2.43% |
| Q4 2023 | 4.61% | 1.17% | 3.55% | 8.16% | 2.50% |
| Q1 2024 | 5.22% | 1.23% | 4.13% | 9.94% | 2.63% |
| Q2 2024 | 5.10% | 1.30% | 3.95% | 8.69% | 2.76% |
| Q3 2024 | 5.09% | 1.34% | 3.92% | 8.69% | 2.86% |
| Q4 2024 | 4.98% | 1.35% | 3.80% | 8.62% | 2.72% |
| Q1 2025 | 4.76% | 1.30% | 3.62% | 8.27% | 2.85% |
| Q2 2025 | 4.73% | 1.36% | 3.55% | 8.09% | 2.96% |
| Q3 2025 | 4.73% | 1.41% | 3.51% | 8.00% | 3.16% |
| Q4 2025 | 4.68% | 1.30% | 3.56% | 8.04% | 3.29% |
| Q1 2026 | 4.46% | 1.24% | 3.40% | 7.50% | 3.38% |
| Q2 2026 | 4.47% | 1.26% | 3.39% | 7.36% | 3.44% |
The Falls City 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 The Falls City 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 The Falls City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3193) · FFIEC NIC profile (RSSD 441050)