First Bank Hampton: 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: Cost of funds edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 1.85%. Among 225 Iowa banks, First Bank Hampton sits 22nd from the top on net interest margin, 4.23% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Bank Hampton sits 0.29 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.41% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 2.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $988K |
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 | 5.05% | 1.76% | 3.46% | 5.70% | 2.73% |
| Q4 2023 | 5.17% | 1.86% | 3.46% | 5.80% | 2.67% |
| Q1 2024 | 5.31% | 2.07% | 3.43% | 5.96% | 2.60% |
| Q2 2024 | 5.53% | 2.26% | 3.49% | 6.17% | 2.60% |
| Q3 2024 | 5.66% | 2.28% | 3.62% | 6.29% | 2.57% |
| Q4 2024 | 5.63% | 2.01% | 3.78% | 6.32% | 2.63% |
| Q1 2025 | 5.48% | 1.81% | 3.82% | 6.08% | 2.72% |
| Q2 2025 | 5.82% | 2.02% | 4.06% | 6.39% | 2.79% |
| Q3 2025 | 5.99% | 1.99% | 4.19% | 6.52% | 2.86% |
| Q4 2025 | 5.99% | 1.89% | 4.25% | 6.50% | 3.02% |
| Q1 2026 | 5.81% | 1.66% | 4.29% | 6.39% | 2.92% |
| Q2 2026 | 5.90% | 1.85% | 4.23% | 6.41% | 3.05% |
First Bank Hampton 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 Hampton, 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 Hampton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4464) · FFIEC NIC profile (RSSD 786948)