First Federal Bank, a FSB: 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 climbed 7.7% in Q2 2026, from $1.2M to $1.3M. It was the largest change from Q1 2026 among the key lines here. On net interest margin, First Federal Bank, a FSB is 7th from the bottom among 93 Alabama banks, 2.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Bank, a FSB sits 1.14 points lower, at 2.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.14% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.27% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.81% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $904K |
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 | 5.63% | 2.59% | 2.31% | 5.71% | 3.24% |
| Q4 2023 | 5.80% | 3.61% | 2.26% | 5.87% | 2.73% |
| Q1 2024 | 5.95% | 3.82% | 2.20% | 6.03% | 2.75% |
| Q2 2024 | 5.98% | 3.93% | 2.10% | 6.05% | 3.34% |
| Q3 2024 | 6.14% | 3.95% | 2.26% | 6.19% | 2.81% |
| Q4 2024 | 6.13% | 3.92% | 2.29% | 6.28% | 2.84% |
| Q1 2025 | 5.83% | 3.70% | 2.20% | 6.04% | 2.87% |
| Q2 2025 | 5.94% | 3.44% | 2.59% | 6.09% | 2.89% |
| Q3 2025 | 6.07% | 3.36% | 2.80% | 6.21% | 2.92% |
| Q4 2025 | 6.01% | 3.34% | 2.75% | 6.18% | 3.55% |
| Q1 2026 | 5.91% | 3.24% | 2.76% | 6.10% | 2.99% |
| Q2 2026 | 5.96% | 3.27% | 2.81% | 6.14% | 3.03% |
First Federal Bank, a FSB 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 Federal Bank, a FSB, 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 Federal Bank, a FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31127) · FFIEC NIC profile (RSSD 814074)