First Harrison 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.98% against 3.80%. It was the largest change among the key lines on this page. Within Indiana, First Harrison Bank is 29th of 87 on net interest margin, 3.98% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Harrison Bank sits 0.27 points higher, at 3.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.42% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.8M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.5M |
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 | 4.08% | 1.00% | 3.13% | 5.73% | 2.01% |
| Q4 2023 | 4.19% | 1.20% | 3.10% | 5.87% | 2.04% |
| Q1 2024 | 4.30% | 1.24% | 3.14% | 5.89% | 2.13% |
| Q2 2024 | 4.42% | 1.37% | 3.15% | 5.98% | 2.22% |
| Q3 2024 | 4.59% | 1.52% | 3.18% | 6.09% | 2.27% |
| Q4 2024 | 4.64% | 1.44% | 3.33% | 6.17% | 2.35% |
| Q1 2025 | 4.63% | 1.41% | 3.34% | 6.07% | 2.48% |
| Q2 2025 | 4.83% | 1.34% | 3.60% | 6.26% | 2.68% |
| Q3 2025 | 4.94% | 1.34% | 3.70% | 6.41% | 2.87% |
| Q4 2025 | 4.98% | 1.30% | 3.79% | 6.36% | 3.14% |
| Q1 2026 | 4.95% | 1.23% | 3.80% | 6.23% | 3.31% |
| Q2 2026 | 5.13% | 1.24% | 3.98% | 6.42% | 3.51% |
First Harrison 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 Harrison 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 Harrison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31223) · FFIEC NIC profile (RSSD 716374)