First Community Bank of the Heartland, Inc.: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.30 percentage points to 4.15%. Within Kentucky, First Community Bank of the Heartland, Inc. is 41st of 119 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. First Community Bank of the Heartland, Inc. reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 6.86% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 5.86% | 2.30% | 3.65% | 6.37% | 2.67% |
| Q4 2023 | 6.07% | 2.60% | 3.57% | 6.58% | 2.75% |
| Q1 2024 | 5.93% | 2.73% | 3.31% | 6.41% | 2.79% |
| Q2 2024 | 6.08% | 2.77% | 3.43% | 6.55% | 2.78% |
| Q3 2024 | 6.29% | 2.79% | 3.54% | 6.78% | 2.80% |
| Q4 2024 | 6.31% | 2.71% | 3.65% | 6.83% | 2.83% |
| Q1 2025 | 6.13% | 2.44% | 3.69% | 6.57% | 3.01% |
| Q2 2025 | 6.37% | 2.41% | 3.95% | 6.84% | 3.17% |
| Q3 2025 | 6.28% | 2.43% | 3.84% | 6.75% | 3.12% |
| Q4 2025 | 6.28% | 2.38% | 3.89% | 6.75% | 3.10% |
| Q1 2026 | 6.14% | 2.26% | 3.85% | 6.60% | 3.28% |
| Q2 2026 | 6.37% | 2.20% | 4.15% | 6.86% | 3.33% |
First Community Bank of the Heartland, Inc. 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 the Heartland, Inc., 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 the Heartland, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14735) · FFIEC NIC profile (RSSD 837149)