First Community Trust, N.A.: 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 fell 0.13 percentage points in Q2 2026 to 3.10%, the biggest move on this page. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First Community Trust, N.A. sits 0.79 points lower, at 3.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.10% |
| Yield on loans | — |
| Yield on securities | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.10% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 | Net interest margin | Securities |
|---|---|---|---|
| Q3 2023 | 3.84% | 3.84% | 5.17% |
| Q4 2023 | 3.77% | 3.77% | 5.41% |
| Q1 2024 | 4.00% | 4.00% | 5.18% |
| Q2 2024 | 4.03% | 4.03% | 5.12% |
| Q3 2024 | 4.17% | 4.17% | 5.12% |
| Q4 2024 | 4.04% | 4.04% | 4.85% |
| Q1 2025 | 3.82% | 3.82% | 4.02% |
| Q2 2025 | 3.87% | 3.87% | 4.05% |
| Q3 2025 | 3.84% | 3.84% | 4.07% |
| Q4 2025 | 3.43% | 3.43% | 3.73% |
| Q1 2026 | 3.23% | 3.23% | 3.40% |
| Q2 2026 | 3.10% | 3.10% | 3.31% |
First Community Trust, N.A. 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 Trust, N.A., 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 Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2973041)