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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.07 percentage points between Q1 2026 and Q2 2026, to 3.92%. First Financial Bank ranks 42nd of 93 Alabama banks on net interest margin, in the upper half at 3.92% (Q2 2026). At 3.92%, First Financial Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 5.67% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | 5.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $570K |
| Interest expense on deposits | $569K |
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 | 4.57% | 0.43% | 4.08% | 5.08% | 3.78% |
| Q4 2023 | 4.22% | 0.68% | 3.50% | 5.25% | 2.85% |
| Q1 2024 | 4.33% | 0.81% | 3.50% | 5.44% | 2.85% |
| Q2 2024 | 4.31% | 0.86% | 3.42% | 5.36% | 2.85% |
| Q3 2024 | 4.86% | 0.93% | 3.80% | 5.59% | 3.63% |
| Q4 2024 | 4.74% | 1.04% | 3.59% | 5.44% | 3.64% |
| Q1 2025 | 4.82% | 0.95% | 3.73% | 5.48% | 3.74% |
| Q2 2025 | 4.87% | 0.99% | 3.75% | 5.60% | 3.78% |
| Q3 2025 | 4.91% | 1.01% | 3.77% | 5.68% | 3.76% |
| Q4 2025 | 4.91% | 0.97% | 3.84% | 5.62% | 3.77% |
| Q1 2026 | 4.90% | 0.96% | 3.85% | 5.66% | 3.78% |
| Q2 2026 | 5.01% | 0.96% | 3.92% | 5.67% | 3.87% |
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 19440) · FFIEC NIC profile (RSSD 292234)