First American State 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.2% between Q1 2026 and Q2 2026, to $1.8M. On net interest margin, First American State Bank is 6th from the bottom among 63 Colorado banks, 2.90% (Q2 2026). First American State Bank reported 2.90% on net interest margin for Q2 2026, 1.05 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 5.85% |
| Yield on securities | 4.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.88% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.27% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.90% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.4M |
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 | 5.46% | 3.28% | 2.42% | 5.49% | 5.35% |
| Q4 2023 | 5.55% | 3.39% | 2.43% | 5.58% | 5.43% |
| Q1 2024 | 5.49% | 3.42% | 2.35% | 5.63% | 5.04% |
| Q2 2024 | 5.58% | 3.49% | 2.41% | 5.66% | 5.25% |
| Q3 2024 | 5.75% | 3.48% | 2.57% | 5.87% | 5.31% |
| Q4 2024 | 5.64% | 3.36% | 2.57% | 5.89% | 4.70% |
| Q1 2025 | 5.53% | 3.19% | 2.63% | 5.77% | 4.99% |
| Q2 2025 | 5.63% | 3.23% | 2.71% | 5.82% | 5.01% |
| Q3 2025 | 5.68% | 3.22% | 2.73% | 5.92% | 5.03% |
| Q4 2025 | 5.79% | 3.17% | 2.89% | 6.16% | 4.85% |
| Q1 2026 | 5.46% | 2.87% | 2.88% | 5.76% | 4.75% |
| Q2 2026 | 5.54% | 2.88% | 2.90% | 5.85% | 4.72% |
First American State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34040) · FFIEC NIC profile (RSSD 2317672)