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 Net interest margin, which rose 0.16 percentage points to 3.65%. Within Alabama, First National Bank and Trust is 59th of 93 on net interest margin, 3.65% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank and Trust sits 0.30 points lower, at 3.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.48% |
| Yield on securities | 1.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $752K |
| Interest expense on deposits | $752K |
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 | 4.41% | 1.11% | 3.34% | 5.87% | 1.68% |
| Q4 2023 | 4.50% | 1.38% | 3.19% | 5.95% | 1.69% |
| Q1 2024 | 5.51% | 1.49% | 4.12% | 7.26% | 1.70% |
| Q2 2024 | 4.77% | 1.59% | 3.28% | 6.33% | 1.70% |
| Q3 2024 | 4.79% | 1.73% | 3.15% | 6.33% | 1.69% |
| Q4 2024 | 4.83% | 1.72% | 3.21% | 6.37% | 1.72% |
| Q1 2025 | 4.75% | 1.61% | 3.24% | 6.24% | 1.71% |
| Q2 2025 | 4.85% | 1.58% | 3.36% | 6.37% | 1.70% |
| Q3 2025 | 5.00% | 1.60% | 3.48% | 6.57% | 1.73% |
| Q4 2025 | 5.01% | 1.54% | 3.52% | 6.58% | 1.72% |
| Q1 2026 | 4.85% | 1.41% | 3.49% | 6.39% | 1.74% |
| Q2 2026 | 4.94% | 1.36% | 3.65% | 6.48% | 1.80% |
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 2779) · FFIEC NIC profile (RSSD 670430)