First National 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged down 0.10 percentage points between Q1 2026 and Q2 2026, to 1.96%. Within Texas, First National Bank is 299th of 345 on net interest margin, 3.17% as of Q2 2026, below the middle of the field. First National Bank reported 3.17% on net interest margin for Q2 2026, 0.72 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.65% |
| Yield on loans | 8.37% |
| Yield on securities | 1.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $832K |
| Total interest expense | $366K |
| Interest expense on deposits | $366K |
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 | 3.67% | 1.84% | 2.17% | 8.09% | 1.59% |
| Q4 2023 | 3.77% | 2.72% | 1.50% | 8.16% | 1.63% |
| Q1 2024 | 4.14% | 1.81% | 2.52% | 8.18% | 1.67% |
| Q2 2024 | 4.55% | 1.77% | 2.93% | 8.58% | 1.67% |
| Q3 2024 | 4.64% | 1.79% | 2.99% | 8.89% | 1.65% |
| Q4 2024 | 4.80% | 2.52% | 2.45% | 9.00% | 1.64% |
| Q1 2025 | 4.87% | 1.94% | 3.03% | 8.92% | 1.79% |
| Q2 2025 | 4.68% | 1.85% | 2.95% | 8.85% | 1.77% |
| Q3 2025 | 4.74% | 1.84% | 3.05% | 8.95% | 1.66% |
| Q4 2025 | 4.49% | 1.84% | 2.77% | 8.00% | 1.69% |
| Q1 2026 | 4.70% | 1.68% | 3.13% | 8.43% | 1.66% |
| Q2 2026 | 4.65% | 1.60% | 3.17% | 8.37% | 1.66% |
First National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34455) · FFIEC NIC profile (RSSD 2490285)