First Commerce 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.98% against 3.80%. It was the largest change among the key lines on this page. Within Kansas, First Commerce Bank is 89th of 182 on net interest margin, 3.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; First Commerce Bank reported 3.98% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.13% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $534K |
| Interest expense on deposits | $534K |
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 | 4.43% | 0.94% | 3.56% | 5.13% | 2.45% |
| Q4 2023 | 4.54% | 1.14% | 3.50% | 5.33% | 2.42% |
| Q1 2024 | 4.71% | 1.63% | 3.19% | 5.44% | 2.43% |
| Q2 2024 | 5.02% | 1.88% | 3.31% | 5.65% | 2.47% |
| Q3 2024 | 5.30% | 1.91% | 3.55% | 6.16% | 2.52% |
| Q4 2024 | 5.15% | 1.79% | 3.53% | 5.90% | 2.49% |
| Q1 2025 | 5.06% | 1.59% | 3.61% | 5.81% | 2.47% |
| Q2 2025 | 5.26% | 1.64% | 3.79% | 5.97% | 2.52% |
| Q3 2025 | 5.45% | 1.96% | 3.74% | 6.13% | 2.48% |
| Q4 2025 | 5.51% | 1.89% | 3.82% | 6.16% | 2.55% |
| Q1 2026 | 5.36% | 1.75% | 3.80% | 6.03% | 2.53% |
| Q2 2026 | 5.54% | 1.76% | 3.98% | 6.13% | 2.54% |
First Commerce 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 Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57273) · FFIEC NIC profile (RSSD 3041358)