First Bank of Ohio: 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 fell 7.1% from Q1 2026 to Q2 2026, ending at $1.5M against $1.6M. It was the largest change among the key lines on this page. First Bank of Ohio has the highest net interest margin of the 156 banks headquartered in Ohio, 5.63% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Bank of Ohio sits 1.68 points higher, at 5.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.85% |
| Yield on loans | 9.26% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.29% |
| Cost of interest-bearing deposits | 3.49% |
| Cost of interest-bearing liabilities | 3.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.63% |
| Yield to cost spread | 4.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 7.75% | 3.59% | 5.09% | 8.52% | 2.57% |
| Q4 2023 | 7.96% | 3.75% | 5.12% | 8.75% | 2.59% |
| Q1 2024 | 8.05% | 4.08% | 5.02% | 8.85% | 2.74% |
| Q2 2024 | 8.21% | 4.21% | 5.09% | 9.03% | 2.86% |
| Q3 2024 | 8.48% | 4.31% | 5.34% | 9.43% | 2.94% |
| Q4 2024 | 8.69% | 4.12% | 5.75% | 9.71% | 3.14% |
| Q1 2025 | 8.59% | 3.81% | 5.90% | 9.55% | 3.26% |
| Q2 2025 | 8.42% | 3.74% | 5.82% | 9.40% | 3.75% |
| Q3 2025 | 8.38% | 3.68% | 5.81% | 9.55% | 3.95% |
| Q4 2025 | 8.25% | 3.56% | 5.73% | 9.76% | 4.22% |
| Q1 2026 | 7.92% | 3.34% | 5.60% | 9.44% | 4.18% |
| Q2 2026 | 7.85% | 3.29% | 5.63% | 9.26% | 4.25% |
First Bank of Ohio 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 of Ohio, 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 of Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9450) · FFIEC NIC profile (RSSD 586027)