FCNB 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.
Compared with Q1 2026, Cost of borrowings fell 0.48 percentage points in Q2 2026 to 4.42%, the biggest move on this page. FCNB Bank ranks 132nd of 191 Missouri banks on net interest margin, in the lower half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. FCNB Bank sits 0.21 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 7.12% |
| Yield on securities | 2.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $928K |
| Interest expense on deposits | $790K |
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 | 4.58% | 1.64% | 2.97% | 6.19% | 2.11% |
| Q4 2023 | 4.73% | 1.81% | 2.93% | 6.38% | 2.10% |
| Q1 2024 | 4.93% | 1.98% | 2.99% | 6.70% | 2.05% |
| Q2 2024 | 5.02% | 1.83% | 3.24% | 6.80% | 1.99% |
| Q3 2024 | 5.13% | 2.05% | 3.13% | 6.92% | 1.99% |
| Q4 2024 | 5.35% | 2.07% | 3.30% | 7.07% | 1.99% |
| Q1 2025 | 5.18% | 1.97% | 3.21% | 6.89% | 1.98% |
| Q2 2025 | 5.31% | 1.89% | 3.41% | 7.02% | 2.00% |
| Q3 2025 | 5.40% | 1.76% | 3.48% | 7.17% | 2.00% |
| Q4 2025 | 5.48% | 1.79% | 3.54% | 7.16% | 2.01% |
| Q1 2026 | 5.38% | 1.89% | 3.49% | 7.02% | 2.01% |
| Q2 2026 | 5.56% | 1.81% | 3.73% | 7.12% | 2.03% |
FCNB 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 FCNB 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 FCNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1639) · FFIEC NIC profile (RSSD 619859)