First Exchange 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.74%. First Exchange Bank ranks 28th of 41 West Virginia banks on net interest margin, in the lower half at 3.74% (Q2 2026). First Exchange Bank reported 3.74% on net interest margin for Q2 2026, 0.20 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.06% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 5.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 4.93% | 1.42% | 3.58% | 5.28% | 2.42% |
| Q4 2023 | 5.07% | 1.83% | 3.33% | 5.46% | 2.13% |
| Q1 2024 | 5.16% | 2.17% | 3.07% | 5.48% | 2.42% |
| Q2 2024 | 5.26% | 2.33% | 3.00% | 5.56% | 2.45% |
| Q3 2024 | 5.28% | 2.42% | 2.95% | 5.59% | 2.46% |
| Q4 2024 | 5.45% | 2.39% | 3.16% | 5.86% | 2.40% |
| Q1 2025 | 5.28% | 2.25% | 3.11% | 5.68% | 2.51% |
| Q2 2025 | 5.42% | 2.14% | 3.37% | 5.87% | 2.41% |
| Q3 2025 | 5.47% | 2.09% | 3.47% | 5.94% | 2.43% |
| Q4 2025 | 5.47% | 1.98% | 3.59% | 6.01% | 2.45% |
| Q1 2026 | 5.39% | 1.82% | 3.65% | 5.95% | 2.52% |
| Q2 2026 | 5.43% | 1.77% | 3.74% | 6.06% | 2.69% |
First Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13020) · FFIEC NIC profile (RSSD 170332)