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.
Total interest expense rose 3.8% from Q1 2026 to Q2 2026, ending at $1.7M against $1.6M. It was the largest change among the key lines on this page. Within Indiana, First National Bank is 76th of 87 on net interest margin, 3.09% as of Q2 2026, below the middle of the field. First National Bank reported 3.09% on net interest margin for Q2 2026, 0.86 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.71% |
| Yield on loans | 5.83% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.51% |
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 | 4.39% | 1.18% | 3.28% | 5.01% | 3.34% |
| Q4 2023 | 4.51% | 1.24% | 3.35% | 5.19% | 3.39% |
| Q1 2024 | 4.58% | 1.63% | 3.04% | 5.22% | 3.37% |
| Q2 2024 | 4.71% | 1.68% | 3.13% | 5.37% | 3.40% |
| Q3 2024 | 4.82% | 1.74% | 3.18% | 5.57% | 3.36% |
| Q4 2024 | 4.76% | 1.73% | 3.14% | 5.65% | 3.30% |
| Q1 2025 | 4.63% | 1.73% | 3.01% | 5.57% | 3.22% |
| Q2 2025 | 4.67% | 1.79% | 3.01% | 5.72% | 3.24% |
| Q3 2025 | 4.81% | 1.85% | 3.09% | 5.90% | 3.25% |
| Q4 2025 | 4.78% | 1.81% | 3.10% | 5.97% | 3.33% |
| Q1 2026 | 4.62% | 1.72% | 3.03% | 5.75% | 3.29% |
| Q2 2026 | 4.71% | 1.74% | 3.09% | 5.83% | 3.32% |
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 4324) · FFIEC NIC profile (RSSD 60648)