First National Bank in New Bremen: 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: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.73%. Within Ohio, First National Bank in New Bremen is 137th of 156 on net interest margin, 2.73% 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 in New Bremen sits 1.22 points lower, at 2.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.41% |
| Yield on loans | 6.32% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.73% |
| Yield to cost spread | 2.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.30% | 1.91% | 2.52% | 5.42% | 1.67% |
| Q4 2023 | 4.44% | 2.05% | 2.52% | 5.64% | 1.70% |
| Q1 2024 | 4.45% | 2.12% | 2.47% | 5.72% | 1.72% |
| Q2 2024 | 4.57% | 2.20% | 2.53% | 5.91% | 1.78% |
| Q3 2024 | 4.69% | 2.25% | 2.60% | 6.07% | 1.97% |
| Q4 2024 | 4.57% | 2.16% | 2.57% | 6.05% | 2.19% |
| Q1 2025 | 4.52% | 2.05% | 2.61% | 6.22% | 2.29% |
| Q2 2025 | 4.56% | 2.07% | 2.66% | 6.18% | 2.40% |
| Q3 2025 | 4.67% | 2.09% | 2.76% | 6.33% | 2.46% |
| Q4 2025 | 4.55% | 1.97% | 2.75% | 6.41% | 2.50% |
| Q1 2026 | 4.33% | 1.86% | 2.62% | 6.19% | 2.53% |
| Q2 2026 | 4.41% | 1.84% | 2.73% | 6.32% | 2.59% |
First National Bank in New Bremen 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 New Bremen, 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 New Bremen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14836) · FFIEC NIC profile (RSSD 204826)