The First Central National Bank of Saint Paris: 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: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.83%. The First Central National Bank of Saint Paris ranks 69th of 156 Ohio banks on net interest margin, in the upper half at 3.83% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin; The First Central National Bank of Saint Paris reported 3.83% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 5.58% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $804K |
| Total interest expense | $247K |
| Interest expense on deposits | $247K |
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 | 4.51% | 0.73% | 3.86% | 4.95% | 2.88% |
| Q4 2023 | 4.73% | 0.79% | 4.04% | 5.13% | 3.21% |
| Q1 2024 | 4.60% | 0.88% | 3.82% | 5.12% | 3.16% |
| Q2 2024 | 4.74% | 0.93% | 3.92% | 5.25% | 3.18% |
| Q3 2024 | 4.77% | 1.01% | 3.90% | 5.38% | 3.05% |
| Q4 2024 | 4.84% | 1.11% | 3.89% | 5.47% | 3.03% |
| Q1 2025 | 4.69% | 1.12% | 3.71% | 5.35% | 3.15% |
| Q2 2025 | 4.86% | 1.13% | 3.87% | 5.44% | 3.41% |
| Q3 2025 | 4.89% | 1.18% | 3.86% | 5.55% | 3.57% |
| Q4 2025 | 4.91% | 1.21% | 3.86% | 5.57% | 3.72% |
| Q1 2026 | 4.82% | 1.25% | 3.71% | 5.50% | 3.71% |
| Q2 2026 | 4.93% | 1.25% | 3.83% | 5.58% | 3.75% |
The First Central National Bank of Saint Paris yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Central National Bank of Saint Paris, 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 The First Central National Bank of Saint Paris profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15214) · FFIEC NIC profile (RSSD 538222)