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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.6% to $1.7M. Within Kansas, First Heritage Bank is 160th of 182 on net interest margin, 3.30% as of Q2 2026. First Heritage Bank reported 3.30% on net interest margin for Q2 2026, 0.64 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 7.01% |
| Yield on securities | 2.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 5.35% | 1.88% | 3.21% | 6.80% | 2.04% |
| Q4 2023 | 5.33% | 2.12% | 3.04% | 6.85% | 2.14% |
| Q1 2024 | 5.49% | 2.34% | 3.12% | 7.00% | 2.14% |
| Q2 2024 | 5.74% | 2.40% | 3.33% | 7.25% | 2.16% |
| Q3 2024 | 5.71% | 2.43% | 3.30% | 7.28% | 2.32% |
| Q4 2024 | 5.45% | 2.35% | 3.12% | 7.33% | 2.58% |
| Q1 2025 | 5.66% | 2.30% | 3.36% | 7.28% | 2.59% |
| Q2 2025 | 5.61% | 2.29% | 3.37% | 7.31% | 2.48% |
| Q3 2025 | 5.61% | 2.26% | 3.38% | 7.33% | 2.44% |
| Q4 2025 | 5.67% | 2.29% | 3.43% | 7.23% | 2.42% |
| Q1 2026 | 5.40% | 2.24% | 3.29% | 6.99% | 2.42% |
| Q2 2026 | 5.42% | 2.21% | 3.30% | 7.01% | 2.58% |
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 4636) · FFIEC NIC profile (RSSD 922157)