First General 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 standout move of Q2 2026 was in Yield on securities: 1.11 percentage points higher than in Q1 2026, at 3.42%. First General Bank ranks 13th of 114 California banks on net interest margin, in the upper half at 4.96% (Q2 2026). First General Bank reported 4.96% on net interest margin for Q2 2026, 1.25 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.77% |
| Yield on loans | 7.46% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 2.89% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.96% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.3M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.1M |
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 | 9.05% | 2.33% | 7.26% | 9.80% | 3.43% |
| Q4 2023 | 9.05% | 2.73% | 6.98% | 9.85% | 3.35% |
| Q1 2024 | 8.61% | 3.00% | 6.31% | 9.37% | 2.99% |
| Q2 2024 | 8.50% | 3.19% | 6.06% | 9.42% | 3.02% |
| Q3 2024 | 8.39% | 3.35% | 5.84% | 9.33% | 2.95% |
| Q4 2024 | 7.79% | 3.03% | 5.51% | 8.76% | 2.26% |
| Q1 2025 | 7.30% | 2.77% | 5.21% | 8.22% | 2.32% |
| Q2 2025 | 7.58% | 2.77% | 5.52% | 8.34% | 2.30% |
| Q3 2025 | 7.59% | 2.81% | 5.52% | 8.35% | 2.27% |
| Q4 2025 | 7.08% | 2.65% | 5.15% | 7.78% | 2.29% |
| Q1 2026 | 6.67% | 2.50% | 4.85% | 7.29% | 2.31% |
| Q2 2026 | 6.77% | 2.51% | 4.96% | 7.46% | 3.42% |
First General 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 General 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 General Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58060) · FFIEC NIC profile (RSSD 3386264)