First Federal Community Bank, SSB: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.65 percentage points to 2.88%. Within Texas, First Federal Community Bank, SSB is 198th of 345 on net interest margin, 4.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First Federal Community Bank, SSB reported 4.01% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.42% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 5.07% | 1.83% | 3.39% | 5.34% | 2.28% |
| Q4 2023 | 5.27% | 2.08% | 3.38% | 5.58% | 2.13% |
| Q1 2024 | 5.42% | 2.22% | 3.40% | 5.72% | 1.79% |
| Q2 2024 | 5.60% | 2.30% | 3.47% | 5.93% | 1.65% |
| Q3 2024 | 5.64% | 2.35% | 3.50% | 5.96% | 1.65% |
| Q4 2024 | 5.70% | 2.33% | 3.57% | 6.12% | 1.88% |
| Q1 2025 | 5.61% | 2.22% | 3.57% | 5.98% | 1.73% |
| Q2 2025 | 5.79% | 2.18% | 3.79% | 6.21% | 1.71% |
| Q3 2025 | 5.87% | 2.16% | 3.91% | 6.33% | 1.70% |
| Q4 2025 | 5.77% | 2.18% | 3.85% | 6.31% | 1.79% |
| Q1 2026 | 5.60% | 2.07% | 3.70% | 6.14% | 2.23% |
| Q2 2026 | 5.83% | 1.99% | 4.01% | 6.42% | 2.88% |
First Federal Community Bank, SSB 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, SSB, 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, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27678) · FFIEC NIC profile (RSSD 898579)