The First National Bank in Cooper: 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: Yield on securities edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 2.35%. The First National Bank in Cooper has the 33rd lowest net interest margin of the 345 banks headquartered in Texas, at 3.03% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank in Cooper sits 0.86 points lower, at 3.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.42% |
| Yield on loans | 5.52% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| 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 | 3.03% |
| Yield to cost spread | 2.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $429K |
| Total interest expense | $190K |
| Interest expense on deposits | $190K |
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 | 4.16% | 0.93% | 3.27% | 4.99% | 1.99% |
| Q4 2023 | 4.27% | 1.23% | 3.13% | 5.27% | 1.79% |
| Q1 2024 | 4.26% | 1.28% | 3.09% | 5.34% | 1.68% |
| Q2 2024 | 4.20% | 1.29% | 3.02% | 5.24% | 1.57% |
| Q3 2024 | 4.47% | 1.34% | 3.26% | 5.66% | 1.70% |
| Q4 2024 | 4.28% | 1.39% | 3.02% | 5.44% | 1.63% |
| Q1 2025 | 4.25% | 1.36% | 3.00% | 5.41% | 1.50% |
| Q2 2025 | 4.38% | 1.45% | 3.05% | 5.50% | 1.78% |
| Q3 2025 | 4.44% | 1.48% | 3.10% | 5.49% | 1.96% |
| Q4 2025 | 4.57% | 1.39% | 3.32% | 5.65% | 2.17% |
| Q1 2026 | 4.41% | 1.46% | 3.09% | 5.49% | 2.23% |
| Q2 2026 | 4.42% | 1.52% | 3.03% | 5.52% | 2.35% |
The First National Bank in Cooper yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Cooper, 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 The First National Bank in Cooper profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3149) · FFIEC NIC profile (RSSD 767152)