First 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.
Yield on securities rose 0.74 percentage points from Q1 2026 to Q2 2026, ending at 2.97% against 2.23%. It was the largest change among the key lines on this page. First Bank ranks 51st of 345 Texas banks on net interest margin, in the upper half at 4.95% (Q2 2026). First Bank reported 4.95% on net interest margin for Q2 2026, 1.01 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 6.93% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.9M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 6.49% | 1.16% | 5.15% | 6.72% | 2.07% |
| Q4 2023 | 6.51% | 1.33% | 5.04% | 6.73% | 2.03% |
| Q1 2024 | 6.48% | 1.52% | 4.79% | 6.76% | 2.11% |
| Q2 2024 | 6.57% | 1.50% | 4.92% | 6.76% | 2.07% |
| Q3 2024 | 6.67% | 1.52% | 4.99% | 6.95% | 2.09% |
| Q4 2024 | 6.80% | 1.52% | 5.13% | 7.06% | 2.17% |
| Q1 2025 | 6.52% | 1.58% | 4.81% | 6.84% | 2.57% |
| Q2 2025 | 6.62% | 1.57% | 4.92% | 6.95% | 2.69% |
| Q3 2025 | 6.71% | 1.57% | 5.01% | 7.05% | 2.69% |
| Q4 2025 | 6.53% | 1.52% | 4.89% | 6.96% | 2.80% |
| Q1 2026 | 6.23% | 1.43% | 4.68% | 6.75% | 2.23% |
| Q2 2026 | 6.43% | 1.36% | 4.95% | 6.93% | 2.97% |
First 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3121) · FFIEC NIC profile (RSSD 239659)