First Community 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 0.17 percentage points from Q1 2026 to Q2 2026, ending at 4.01% against 3.84%. It was the largest change among the key lines on this page. Within Iowa, First Community Bank is 51st of 225 on net interest margin, 4.01% as of Q2 2026, above the middle of the field. At 4.01%, First Community Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 6.48% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 2.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $359K |
| Interest expense on deposits | $338K |
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 | 4.10% | 1.23% | 2.95% | 6.11% | 1.56% |
| Q4 2023 | 4.39% | 1.45% | 3.02% | 6.27% | 1.46% |
| Q1 2024 | 4.56% | 1.46% | 3.18% | 6.41% | 1.47% |
| Q2 2024 | 4.81% | 1.59% | 3.31% | 6.67% | 1.52% |
| Q3 2024 | 4.86% | 1.73% | 3.24% | 6.61% | 1.52% |
| Q4 2024 | 4.89% | 1.62% | 3.37% | 6.55% | 1.58% |
| Q1 2025 | 4.79% | 1.53% | 3.35% | 6.40% | 1.78% |
| Q2 2025 | 5.09% | 1.51% | 3.67% | 6.58% | 2.04% |
| Q3 2025 | 5.29% | 1.58% | 3.82% | 6.67% | 2.12% |
| Q4 2025 | 5.32% | 1.50% | 3.91% | 6.61% | 2.23% |
| Q1 2026 | 5.16% | 1.40% | 3.84% | 6.40% | 2.31% |
| Q2 2026 | 5.30% | 1.38% | 4.01% | 6.48% | 2.44% |
First Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14904) · FFIEC NIC profile (RSSD 233246)