First National Bank and Trust: 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 Yield on securities, which rose 0.25 percentage points to 2.69%. On net interest margin, First National Bank and Trust ranks 14th highest among the 182 banks headquartered in Kansas, at 4.83% (Q2 2026). First National Bank and Trust reported 4.83% on net interest margin for Q2 2026, 0.88 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 7.46% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 4.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $918K |
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 | 4.73% | 1.75% | 3.17% | 6.18% | 1.85% |
| Q4 2023 | 5.08% | 1.81% | 3.49% | 6.65% | 1.89% |
| Q1 2024 | 5.14% | 1.81% | 3.52% | 6.71% | 1.94% |
| Q2 2024 | 5.54% | 2.01% | 3.77% | 7.09% | 2.02% |
| Q3 2024 | 5.83% | 2.16% | 3.90% | 7.49% | 1.99% |
| Q4 2024 | 5.86% | 1.99% | 4.13% | 7.48% | 2.04% |
| Q1 2025 | 5.88% | 1.65% | 4.37% | 7.49% | 2.05% |
| Q2 2025 | 5.86% | 1.75% | 4.37% | 7.36% | 2.18% |
| Q3 2025 | 6.15% | 1.65% | 4.66% | 7.69% | 2.20% |
| Q4 2025 | 6.18% | 1.58% | 4.77% | 7.67% | 2.38% |
| Q1 2026 | 6.10% | 1.48% | 4.79% | 7.47% | 2.44% |
| Q2 2026 | 6.13% | 1.45% | 4.83% | 7.46% | 2.69% |
First National Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4756) · FFIEC NIC profile (RSSD 183958)