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.
Yield on loans rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 7.67% against 7.34%. It was the largest change among the key lines on this page. First National Bank ranks 16th of 93 Alabama banks on net interest margin, in the upper half at 4.70% (Q2 2026). First National Bank reported 4.70% on net interest margin for Q2 2026, 0.76 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 7.67% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $577K |
| Interest expense on deposits | $577K |
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 | 4.86% | 0.27% | 4.62% | 7.19% | 2.92% |
| Q4 2023 | 4.97% | 0.30% | 4.69% | 7.27% | 3.03% |
| Q1 2024 | 4.96% | 0.38% | 4.62% | 7.15% | 3.09% |
| Q2 2024 | 5.12% | 0.46% | 4.71% | 7.43% | 3.20% |
| Q3 2024 | 5.13% | 0.61% | 4.58% | 7.48% | 3.21% |
| Q4 2024 | 5.25% | 0.73% | 4.62% | 7.68% | 3.23% |
| Q1 2025 | 5.29% | 0.72% | 4.66% | 7.53% | 3.31% |
| Q2 2025 | 5.46% | 0.74% | 4.81% | 7.70% | 3.36% |
| Q3 2025 | 5.60% | 0.75% | 4.95% | 8.07% | 3.44% |
| Q4 2025 | 5.48% | 0.77% | 4.82% | 7.91% | 3.50% |
| Q1 2026 | 5.23% | 0.75% | 4.59% | 7.34% | 3.57% |
| Q2 2026 | 5.35% | 0.76% | 4.70% | 7.67% | 3.64% |
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 22271) · FFIEC NIC profile (RSSD 330239)