First American Trust, FSB: 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.
Total interest expense climbed 38.7% in Q2 2026, from $19.7M to $27.3M. It was the largest change from Q1 2026 among the key lines here. On net interest margin, First American Trust, FSB is 5th from the bottom among 114 California banks, 2.66% (Q2 2026). First American Trust, FSB reported 2.66% on net interest margin for Q2 2026, 1.05 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.95% |
| Yield on loans | — |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.98% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.66% |
| Yield to cost spread | 1.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $27.3M |
| Interest expense on deposits | $27.3M |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 2.94% | 0.85% | 1.82% | 2.35% |
| Q4 2023 | 2.83% | 0.64% | 1.90% | 2.30% |
| Q1 2024 | 2.81% | 0.58% | 1.92% | 2.36% |
| Q2 2024 | 2.84% | 0.66% | 1.94% | 2.35% |
| Q3 2024 | 3.08% | 0.64% | 2.19% | 2.31% |
| Q4 2024 | 3.96% | 0.66% | 3.04% | 3.66% |
| Q1 2025 | 3.93% | 0.62% | 3.05% | 3.83% |
| Q2 2025 | 4.02% | 0.67% | 3.07% | 3.92% |
| Q3 2025 | 4.13% | 0.75% | 3.08% | 4.07% |
| Q4 2025 | 3.96% | 0.79% | 2.91% | 3.94% |
| Q1 2026 | 3.98% | 0.80% | 2.91% | 4.00% |
| Q2 2026 | 3.95% | 0.98% | 2.66% | 4.00% |
First American Trust, FSB 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 Trust, FSB, 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 Trust, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26312) · FFIEC NIC profile (RSSD 1883321)