First Heritage 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, Yield on securities rose 0.36 percentage points in Q2 2026 to 3.20%, the biggest move on this page. Among 225 Iowa banks, First Heritage Bank sits 22nd from the top on net interest margin, 4.24% as of Q2 2026. First Heritage Bank reported 4.24% on net interest margin for Q2 2026, 0.35 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.77% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $940K |
| Total interest expense | $312K |
| Interest expense on deposits | $261K |
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 | 4.55% | 1.83% | 2.95% | 5.99% | 1.26% |
| Q4 2023 | 4.83% | 2.11% | 2.98% | 6.17% | 1.55% |
| Q1 2024 | 5.13% | 2.07% | 3.33% | 6.29% | 1.48% |
| Q2 2024 | 5.30% | 2.07% | 3.33% | 6.48% | 1.48% |
| Q3 2024 | 5.62% | 2.23% | 3.53% | 6.70% | 1.53% |
| Q4 2024 | 5.73% | 2.46% | 3.58% | 6.79% | 2.00% |
| Q1 2025 | 5.62% | 2.34% | 3.57% | 6.61% | 2.11% |
| Q2 2025 | 5.80% | 2.23% | 3.86% | 6.84% | 2.03% |
| Q3 2025 | 6.08% | 2.41% | 4.06% | 6.97% | 2.18% |
| Q4 2025 | 5.97% | 2.18% | 4.13% | 7.02% | 2.76% |
| Q1 2026 | 5.93% | 2.05% | 4.19% | 6.81% | 2.84% |
| Q2 2026 | 6.04% | 2.10% | 4.24% | 6.77% | 3.20% |
First Heritage 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 Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4457) · FFIEC NIC profile (RSSD 618647)