First National Bank in Port Lavaca: 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 loans edged up by 0.13 percentage points, from 5.67% to 5.80%, the largest move among the key lines here. First National Bank in Port Lavaca has the 22nd lowest net interest margin of the 345 banks headquartered in Texas, at 2.82% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank in Port Lavaca sits 1.13 points lower, at 2.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 5.80% |
| Yield on securities | 1.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 4.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.82% |
| Yield to cost spread | 2.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.1M |
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 | 3.85% | 1.44% | 2.55% | 5.06% | 1.96% |
| Q4 2023 | 3.90% | 1.49% | 2.57% | 5.06% | 1.96% |
| Q1 2024 | 4.08% | 1.68% | 2.57% | 5.29% | 1.97% |
| Q2 2024 | 4.19% | 1.77% | 2.59% | 5.37% | 1.96% |
| Q3 2024 | 4.31% | 1.81% | 2.67% | 5.62% | 1.95% |
| Q4 2024 | 4.35% | 1.81% | 2.72% | 5.71% | 1.96% |
| Q1 2025 | 4.27% | 1.66% | 2.79% | 5.66% | 1.97% |
| Q2 2025 | 4.48% | 1.64% | 3.02% | 5.94% | 1.98% |
| Q3 2025 | 4.44% | 1.69% | 2.91% | 5.88% | 1.97% |
| Q4 2025 | 4.46% | 1.67% | 2.95% | 5.82% | 1.97% |
| Q1 2026 | 4.26% | 1.65% | 2.77% | 5.67% | 1.97% |
| Q2 2026 | 4.34% | 1.71% | 2.82% | 5.80% | 1.96% |
First National Bank in Port Lavaca 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 Port Lavaca, 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 Port Lavaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17811) · FFIEC NIC profile (RSSD 855264)