First Federal Community Bank, 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.
The standout move of Q2 2026 was in Total interest expense: 11.0% higher than in Q1 2026, at $4.3M. First Federal Community Bank, N.A. ranks 54th of 156 Ohio banks on net interest margin, in the upper half at 3.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First Federal Community Bank, N.A. reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.30% |
| Yield on securities | 4.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 4.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.8M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.3M |
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 | 5.35% | 1.81% | 3.60% | 5.45% | 3.67% |
| Q4 2023 | 5.49% | 2.02% | 3.56% | 5.58% | 4.05% |
| Q1 2024 | 5.52% | 2.14% | 3.47% | 5.66% | 3.94% |
| Q2 2024 | 5.62% | 2.21% | 3.51% | 5.77% | 4.03% |
| Q3 2024 | 5.76% | 2.32% | 3.52% | 5.93% | 4.19% |
| Q4 2024 | 5.66% | 2.21% | 3.57% | 5.94% | 4.17% |
| Q1 2025 | 5.56% | 2.10% | 3.58% | 5.84% | 4.34% |
| Q2 2025 | 5.81% | 1.99% | 3.89% | 6.04% | 4.42% |
| Q3 2025 | 5.98% | 1.98% | 4.06% | 6.21% | 4.61% |
| Q4 2025 | 5.93% | 1.93% | 4.11% | 6.22% | 4.49% |
| Q1 2026 | 5.82% | 1.92% | 3.99% | 6.13% | 4.29% |
| Q2 2026 | 5.88% | 2.01% | 3.99% | 6.30% | 4.26% |
First Federal Community Bank, 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 Federal Community Bank, 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 Federal Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29787) · FFIEC NIC profile (RSSD 540775)