First Colony Bank of Florida: 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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 4.10%, the biggest move on this page. First Colony Bank of Florida ranks 20th of 79 Florida banks on net interest margin, in the upper half at 4.10% (Q2 2026). First Colony Bank of Florida reported 4.10% on net interest margin for Q2 2026, 0.15 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.46% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.83% | 1.10% | 3.49% | 5.80% | 2.65% |
| Q4 2023 | 5.04% | 1.20% | 3.58% | 5.90% | 2.68% |
| Q1 2024 | 5.07% | 1.51% | 3.26% | 5.86% | 2.68% |
| Q2 2024 | 5.29% | 1.69% | 3.27% | 6.08% | 2.69% |
| Q3 2024 | 5.37% | 1.69% | 3.32% | 5.96% | 2.68% |
| Q4 2024 | 5.51% | 1.45% | 3.77% | 6.33% | 2.77% |
| Q1 2025 | 5.39% | 1.37% | 3.74% | 6.11% | 2.79% |
| Q2 2025 | 5.49% | 1.38% | 3.85% | 6.03% | 2.91% |
| Q3 2025 | 5.73% | 1.44% | 4.03% | 6.36% | 2.93% |
| Q4 2025 | 5.61% | 1.38% | 4.01% | 6.34% | 2.93% |
| Q1 2026 | 5.46% | 1.31% | 3.90% | 6.14% | 2.93% |
| Q2 2026 | 5.63% | 1.30% | 4.10% | 6.46% | 2.94% |
First Colony Bank of Florida 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 Colony Bank of Florida, 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 Colony Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58644) · FFIEC NIC profile (RSSD 3688548)