FBT Bank & Mortgage: 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.
Cost of borrowings climbed 1.67 percentage points in Q2 2026, from 1.78% to 3.45%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, FBT Bank & Mortgage is 27th of 78 on net interest margin, 4.28% as of Q2 2026, above the middle of the field. FBT Bank & Mortgage reported 4.28% on net interest margin for Q2 2026, 0.33 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 7.64% |
| Yield on securities | 3.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $995K |
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 | 5.37% | 1.78% | 3.73% | 6.59% | 3.42% |
| Q4 2023 | 5.62% | 2.16% | 3.64% | 6.75% | 3.36% |
| Q1 2024 | 5.48% | 2.22% | 3.45% | 6.84% | 3.04% |
| Q2 2024 | 5.65% | 2.34% | 3.51% | 7.09% | 3.18% |
| Q3 2024 | 5.77% | 2.50% | 3.47% | 7.33% | 3.37% |
| Q4 2024 | 5.81% | 2.44% | 3.59% | 7.38% | 3.35% |
| Q1 2025 | 5.91% | 2.31% | 3.74% | 7.29% | 3.76% |
| Q2 2025 | 6.09% | 2.19% | 4.03% | 7.41% | 3.81% |
| Q3 2025 | 6.24% | 2.15% | 4.22% | 7.66% | 3.91% |
| Q4 2025 | 6.19% | 2.15% | 4.16% | 7.66% | 3.84% |
| Q1 2026 | 6.20% | 1.83% | 4.47% | 7.54% | 3.74% |
| Q2 2026 | 6.17% | 2.02% | 4.28% | 7.64% | 3.76% |
FBT Bank & Mortgage yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FBT Bank & Mortgage, 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 FBT Bank & Mortgage profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1028) · FFIEC NIC profile (RSSD 314444)