First Metro 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 Net interest margin, which rose 0.15 percentage points to 3.64%. Within Alabama, First Metro Bank is 62nd of 93 on net interest margin, 3.64% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; First Metro Bank reported 3.64% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.63% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.9M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.7M |
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 | 4.33% | 1.17% | 3.27% | 5.88% | 1.95% |
| Q4 2023 | 4.65% | 1.37% | 3.40% | 6.18% | 1.94% |
| Q1 2024 | 4.65% | 1.47% | 3.32% | 6.25% | 2.13% |
| Q2 2024 | 5.01% | 1.50% | 3.64% | 6.42% | 2.30% |
| Q3 2024 | 5.04% | 1.59% | 3.60% | 6.54% | 2.24% |
| Q4 2024 | 5.06% | 1.64% | 3.59% | 6.60% | 2.19% |
| Q1 2025 | 4.92% | 1.59% | 3.49% | 6.54% | 2.15% |
| Q2 2025 | 5.09% | 1.67% | 3.70% | 6.62% | 2.19% |
| Q3 2025 | 5.14% | 1.51% | 3.79% | 6.69% | 2.28% |
| Q4 2025 | 5.18% | 1.58% | 3.79% | 6.71% | 2.45% |
| Q1 2026 | 5.01% | 1.71% | 3.49% | 6.55% | 2.49% |
| Q2 2026 | 5.13% | 1.68% | 3.64% | 6.63% | 2.57% |
First Metro 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 Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27381) · FFIEC NIC profile (RSSD 1222519)