First Community Bank of Central Alabama: 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 standout move of Q2 2026 was in Total interest expense: 11.6% higher than in Q1 2026, at $2.4M. Within Alabama, First Community Bank of Central Alabama is 24th of 93 on net interest margin, 4.51% as of Q2 2026, above the middle of the field. First Community Bank of Central Alabama reported 4.51% on net interest margin for Q2 2026, 0.56 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 |
|---|---|---|---|
| Q3 2023 | 5.31% | 0.95% | 4.36% |
| Q4 2023 | 5.30% | 1.11% | 4.26% |
| Q1 2024 | 5.59% | 1.21% | 4.44% |
| Q2 2024 | 5.58% | 1.29% | 4.36% |
| Q3 2024 | 5.80% | 1.33% | 4.55% |
| Q4 2024 | 5.88% | 1.42% | 4.55% |
| Q1 2025 | 5.64% | 1.34% | 4.38% |
| Q2 2025 | 5.86% | 1.42% | 4.54% |
| Q3 2025 | 6.04% | 1.48% | 4.66% |
| Q4 2025 | 5.97% | 1.43% | 4.64% |
| Q1 2026 | 5.96% | 1.38% | 4.69% |
| Q2 2026 | 5.90% | 1.52% | 4.51% |
First Community Bank of Central Alabama 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 of Central Alabama, 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 of Central Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57124) · FFIEC NIC profile (RSSD 3034257)