First & Farmers National Bank, 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.
Total interest expense rose 4.4% from Q1 2026 to Q2 2026, ending at $2.1M against $2.0M. It was the largest change among the key lines on this page. Within Kentucky, First & Farmers National Bank, Inc. is 37th of 119 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First & Farmers National Bank, Inc. sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.28% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 3.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 4.54% | 1.08% | 3.56% | 5.41% | 2.47% |
| Q4 2023 | 4.72% | 1.42% | 3.47% | 5.62% | 2.47% |
| Q1 2024 | 4.80% | 1.63% | 3.39% | 5.69% | 2.49% |
| Q2 2024 | 4.97% | 1.57% | 3.60% | 5.85% | 2.52% |
| Q3 2024 | 5.14% | 1.73% | 3.64% | 6.06% | 2.54% |
| Q4 2024 | 5.36% | 1.65% | 3.91% | 6.25% | 2.60% |
| Q1 2025 | 5.14% | 1.56% | 3.77% | 6.01% | 2.59% |
| Q2 2025 | 5.32% | 1.37% | 4.08% | 6.19% | 2.64% |
| Q3 2025 | 5.32% | 1.39% | 4.07% | 6.21% | 2.74% |
| Q4 2025 | 5.47% | 1.40% | 4.19% | 6.34% | 2.91% |
| Q1 2026 | 5.36% | 1.32% | 4.16% | 6.20% | 3.04% |
| Q2 2026 | 5.45% | 1.34% | 4.23% | 6.28% | 3.13% |
First & Farmers National Bank, 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 & Farmers National Bank, 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 & Farmers National Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2738) · FFIEC NIC profile (RSSD 721949)