First Financial Bank: 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.
In Q2 2026, Cost of interest-bearing deposits edged down by 0.09 percentage points, from 2.38% to 2.28%, the largest move among the key lines here. First Financial Bank ranks 50th of 156 Ohio banks on net interest margin, in the upper half at 4.04% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. First Financial Bank sits 0.44 points higher, at 4.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 6.45% |
| Yield on securities | 4.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $208.6M |
| Total interest expense | $84.6M |
| Interest expense on deposits | $79.3M |
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 | 6.31% | 1.73% | 4.36% | 7.26% | 3.67% |
| Q4 2023 | 6.42% | 1.92% | 4.28% | 7.37% | 3.66% |
| Q1 2024 | 6.40% | 2.06% | 4.09% | 7.32% | 3.58% |
| Q2 2024 | 6.53% | 2.20% | 4.09% | 7.43% | 3.71% |
| Q3 2024 | 6.61% | 2.24% | 4.13% | 7.49% | 3.87% |
| Q4 2024 | 6.31% | 2.09% | 4.00% | 7.12% | 3.93% |
| Q1 2025 | 6.01% | 1.94% | 3.86% | 6.75% | 3.94% |
| Q2 2025 | 6.14% | 1.84% | 4.10% | 6.86% | 4.09% |
| Q3 2025 | 6.18% | 1.87% | 4.11% | 6.96% | 4.01% |
| Q4 2025 | 6.02% | 1.75% | 4.12% | 6.75% | 4.10% |
| Q1 2026 | 5.78% | 1.60% | 4.04% | 6.43% | 4.18% |
| Q2 2026 | 5.77% | 1.56% | 4.04% | 6.45% | 4.23% |
First Financial Bank 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 Financial Bank, 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6600) · FFIEC NIC profile (RSSD 165628)