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.
Compared with Q1 2026, Net interest margin rose 0.35 percentage points in Q2 2026 to 4.53%, the biggest move on this page. First Financial Bank ranks 14th of 78 Arkansas banks on net interest margin, in the upper half at 4.53% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Financial Bank sits 0.82 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.97% |
| Yield on loans | 7.36% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $31.1M |
| Total interest expense | $11.4M |
| Interest expense on deposits | $10.4M |
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 | 6.00% | 2.52% | 3.65% | 6.61% | 2.03% |
| Q4 2023 | 6.50% | 2.74% | 3.95% | 7.10% | 2.09% |
| Q1 2024 | 6.39% | 2.89% | 3.67% | 6.93% | 2.24% |
| Q2 2024 | 6.47% | 3.05% | 3.64% | 6.98% | 2.48% |
| Q3 2024 | 6.66% | 3.07% | 3.80% | 7.18% | 2.69% |
| Q4 2024 | 6.96% | 2.97% | 4.21% | 7.51% | 2.90% |
| Q1 2025 | 6.72% | 2.83% | 4.08% | 7.17% | 2.93% |
| Q2 2025 | 7.16% | 2.83% | 4.54% | 7.60% | 2.99% |
| Q3 2025 | 7.01% | 2.80% | 4.42% | 7.42% | 3.10% |
| Q4 2025 | 6.92% | 2.74% | 4.40% | 7.32% | 3.21% |
| Q1 2026 | 6.60% | 2.61% | 4.18% | 6.96% | 3.18% |
| Q2 2026 | 6.97% | 2.64% | 4.53% | 7.36% | 3.28% |
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 28905) · FFIEC NIC profile (RSSD 48374)