First National Bank in Trinidad: 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 down 0.13 percentage points between Q1 2026 and Q2 2026, to 2.44%. First National Bank in Trinidad ranks 49th of 63 Colorado banks on net interest margin, in the lower half at 3.58% (Q2 2026). First National Bank in Trinidad reported 3.58% on net interest margin for Q2 2026, 0.37 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 5.68% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.78% |
| Cost of interest-bearing deposits | 1.07% |
| Cost of interest-bearing liabilities | 1.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $467K |
| Interest expense on deposits | $467K |
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 | 3.94% | 0.91% | 3.06% | 5.39% | 2.81% |
| Q4 2023 | 4.00% | 1.20% | 2.83% | 5.37% | 2.82% |
| Q1 2024 | 3.93% | 1.35% | 2.59% | 5.25% | 2.56% |
| Q2 2024 | 4.07% | 0.91% | 3.18% | 5.25% | 2.55% |
| Q3 2024 | 4.18% | 0.93% | 3.27% | 5.41% | 2.56% |
| Q4 2024 | 4.16% | 0.92% | 3.26% | 5.48% | 2.44% |
| Q1 2025 | 4.15% | 0.79% | 3.38% | 5.34% | 2.60% |
| Q2 2025 | 4.36% | 0.81% | 3.57% | 5.63% | 2.61% |
| Q3 2025 | 4.42% | 0.92% | 3.53% | 5.72% | 2.52% |
| Q4 2025 | 4.41% | 0.81% | 3.62% | 5.74% | 2.53% |
| Q1 2026 | 4.32% | 0.76% | 3.58% | 5.56% | 2.57% |
| Q2 2026 | 4.34% | 0.78% | 3.58% | 5.68% | 2.44% |
First National Bank in Trinidad 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 Trinidad, 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 Trinidad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14584) · FFIEC NIC profile (RSSD 474058)