The First National Bank in Falfurrias: 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 4.07% to 4.19%, the largest move among the key lines here. Within Texas, The First National Bank in Falfurrias is 165th of 345 on net interest margin, 4.19% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank in Falfurrias sits 0.31 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 6.09% |
| Yield on securities | 3.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.64% |
| Cost of interest-bearing deposits | 1.25% |
| Cost of interest-bearing liabilities | 1.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $330K |
| Total interest expense | $118K |
| Interest expense on deposits | $118K |
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% | 1.02% | 3.91% | 6.57% | 2.50% |
| Q4 2023 | 4.93% | 1.08% | 3.95% | 6.41% | 2.82% |
| Q1 2024 | 5.18% | 1.01% | 4.26% | 6.67% | 2.99% |
| Q2 2024 | 5.28% | 0.97% | 4.41% | 6.55% | 3.59% |
| Q3 2024 | 5.51% | 0.87% | 4.69% | 6.63% | 4.20% |
| Q4 2024 | 5.33% | 0.88% | 4.54% | 6.75% | 4.23% |
| Q1 2025 | 5.44% | 0.78% | 4.66% | 6.35% | 4.21% |
| Q2 2025 | 5.33% | 0.74% | 4.59% | 6.39% | 4.23% |
| Q3 2025 | 5.31% | 0.70% | 4.63% | 6.62% | 4.20% |
| Q4 2025 | 5.11% | 0.69% | 4.42% | 6.51% | 4.11% |
| Q1 2026 | 4.75% | 0.66% | 4.07% | 5.94% | 3.93% |
| Q2 2026 | 4.82% | 0.64% | 4.19% | 6.09% | 3.88% |
The First National Bank in Falfurrias 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 Falfurrias, 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 Falfurrias profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14095) · FFIEC NIC profile (RSSD 442655)