First National Bank in Frankfort: 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, Yield on securities edged up by 0.12 percentage points, from 2.56% to 2.68%, the largest move among the key lines here. First National Bank in Frankfort ranks 158th of 182 Kansas banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. First National Bank in Frankfort sits 0.58 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 6.97% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $539K |
| Total interest expense | $233K |
| Interest expense on deposits | $225K |
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 | 4.52% | 1.00% | 3.56% | 6.25% | 3.01% |
| Q4 2023 | 4.69% | 1.95% | 2.84% | 6.45% | 2.99% |
| Q1 2024 | 4.61% | 1.79% | 2.97% | 6.47% | 2.85% |
| Q2 2024 | 4.59% | 1.95% | 2.71% | 6.44% | 2.86% |
| Q3 2024 | 4.81% | 2.04% | 2.82% | 6.78% | 2.80% |
| Q4 2024 | 4.85% | 1.92% | 2.99% | 6.88% | 2.66% |
| Q1 2025 | 4.89% | 1.75% | 3.17% | 6.74% | 2.80% |
| Q2 2025 | 4.97% | 1.80% | 3.18% | 6.97% | 2.78% |
| Q3 2025 | 5.15% | 1.78% | 3.40% | 7.00% | 2.84% |
| Q4 2025 | 4.93% | 1.75% | 3.31% | 7.13% | 2.54% |
| Q1 2026 | 4.80% | 1.56% | 3.34% | 6.90% | 2.56% |
| Q2 2026 | 4.84% | 1.63% | 3.31% | 6.97% | 2.68% |
First National Bank in Frankfort 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 in Frankfort, 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 in Frankfort profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4668) · FFIEC NIC profile (RSSD 923350)