First Federal Savings Bank of Lincolnton: 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: Total interest expense edged down 2.4% between Q1 2026 and Q2 2026, to $1.9M. First Federal Savings Bank of Lincolnton ranks 30th of 38 North Carolina banks on net interest margin, in the lower half at 3.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Savings Bank of Lincolnton sits 0.88 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | 5.39% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 4.37% | 1.39% | 3.21% | 4.81% | 3.15% |
| Q4 2023 | 4.51% | 1.75% | 3.03% | 4.87% | 3.26% |
| Q1 2024 | 4.50% | 2.13% | 2.70% | 4.92% | 3.28% |
| Q2 2024 | 4.73% | 2.20% | 2.87% | 5.19% | 3.32% |
| Q3 2024 | 4.65% | 2.23% | 2.76% | 5.10% | 3.29% |
| Q4 2024 | 4.65% | 2.20% | 2.76% | 5.15% | 3.06% |
| Q1 2025 | 4.61% | 2.15% | 2.78% | 5.18% | 2.93% |
| Q2 2025 | 4.61% | 2.07% | 2.90% | 5.12% | 2.93% |
| Q3 2025 | 4.72% | 2.06% | 3.02% | 5.27% | 2.89% |
| Q4 2025 | 4.70% | 2.06% | 2.98% | 5.32% | 2.73% |
| Q1 2026 | 4.63% | 2.00% | 2.98% | 5.29% | 2.55% |
| Q2 2026 | 4.68% | 1.89% | 3.07% | 5.39% | 2.46% |
First Federal Savings Bank of Lincolnton 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 Savings Bank of Lincolnton, 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 Savings Bank of Lincolnton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30315) · FFIEC NIC profile (RSSD 42372)