First American 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.6% to $3.5M. Within New Mexico, First American Bank is 6th of 29 on net interest margin, 4.82% as of Q2 2026, above the middle of the field. First American Bank reported 4.82% on net interest margin for Q2 2026, 1.11 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 7.28% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.69% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | 0.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.82% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.9M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.3M |
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 | 5.50% | 0.86% | 4.52% | 7.69% | 2.71% |
| Q4 2023 | 5.42% | 0.84% | 4.49% | 7.51% | 2.75% |
| Q1 2024 | 5.44% | 0.94% | 4.39% | 7.62% | 2.73% |
| Q2 2024 | 5.55% | 0.86% | 4.58% | 7.67% | 2.72% |
| Q3 2024 | 5.77% | 0.88% | 4.78% | 8.04% | 2.74% |
| Q4 2024 | 5.62% | 0.91% | 4.62% | 7.75% | 2.65% |
| Q1 2025 | 5.38% | 0.85% | 4.41% | 7.38% | 2.61% |
| Q2 2025 | 5.75% | 0.83% | 4.81% | 7.83% | 2.61% |
| Q3 2025 | 5.60% | 0.79% | 4.73% | 7.59% | 2.38% |
| Q4 2025 | 5.62% | 0.78% | 4.77% | 7.53% | 2.60% |
| Q1 2026 | 5.48% | 0.66% | 4.77% | 7.36% | 2.60% |
| Q2 2026 | 5.58% | 0.69% | 4.82% | 7.28% | 2.61% |
First American 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 First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2240) · FFIEC NIC profile (RSSD 771458)