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: Total interest expense edged up 1.9% between Q1 2026 and Q2 2026, to $49.1M. Within Texas, First Financial Bank is 227th of 345 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. First Financial Bank sits 0.20 points higher, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 1.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $138.0M |
| Total interest expense | $49.1M |
| Interest expense on deposits | $48.8M |
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 |
|---|---|---|---|
| Q3 2023 | 4.39% | 1.18% | 3.07% |
| Q4 2023 | 4.51% | 1.27% | 3.09% |
| Q1 2024 | 4.72% | 1.38% | 3.18% |
| Q2 2024 | 4.88% | 1.63% | 3.29% |
| Q3 2024 | 5.02% | 1.80% | 3.37% |
| Q4 2024 | 5.06% | 1.65% | 3.56% |
| Q1 2025 | 4.98% | 1.55% | 3.55% |
| Q2 2025 | 5.09% | 1.57% | 3.66% |
| Q3 2025 | 5.21% | 1.66% | 3.70% |
| Q4 2025 | 5.15% | 1.57% | 3.72% |
| Q1 2026 | 5.04% | 1.43% | 3.73% |
| Q2 2026 | 5.13% | 1.47% | 3.80% |
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 3066) · FFIEC NIC profile (RSSD 470050)