First National Bank of Absecon: 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 0.11 percentage points between Q1 2026 and Q2 2026, to 3.15%. First National Bank of Absecon ranks 9th of 49 New Jersey banks on net interest margin, in the upper half at 3.96% (Q2 2026). At 3.96%, First National Bank of Absecon's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.94% |
| Cost of interest-bearing deposits | 1.18% |
| Cost of interest-bearing liabilities | 1.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $414K |
| Interest expense on deposits | $414K |
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 |
|---|---|---|---|
| Q3 2023 | 4.32% | 0.44% | 3.84% |
| Q4 2023 | 4.41% | 0.54% | 3.81% |
| Q1 2024 | 4.46% | 0.62% | 3.79% |
| Q2 2024 | 4.62% | 0.66% | 3.90% |
| Q3 2024 | 4.56% | 0.71% | 3.78% |
| Q4 2024 | 4.76% | 0.80% | 3.89% |
| Q1 2025 | 4.67% | 0.99% | 3.73% |
| Q2 2025 | 4.84% | 1.04% | 3.86% |
| Q3 2025 | 4.92% | 1.01% | 3.98% |
| Q4 2025 | 4.91% | 1.05% | 3.93% |
| Q1 2026 | 4.86% | 0.96% | 3.97% |
| Q2 2026 | 4.84% | 0.94% | 3.96% |
First National Bank of Absecon 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 of Absecon, 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 of Absecon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6442) · FFIEC NIC profile (RSSD 188917)