The First National Bank of Anderson: 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 standout move of Q2 2026 was in Net interest margin: 0.55 percentage points higher than in Q1 2026, at 4.64%. The First National Bank of Anderson ranks 95th of 345 Texas banks on net interest margin, in the upper half at 4.64% (Q2 2026). The First National Bank of Anderson reported 4.64% on net interest margin for Q2 2026, 0.69 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.96% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.64% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $588K |
| Interest expense on deposits | $588K |
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 | 5.01% | 0.86% | 4.21% | 5.85% | 1.15% |
| Q4 2023 | 5.28% | 1.19% | 4.15% | 6.05% | 1.41% |
| Q1 2024 | 5.30% | 1.39% | 3.96% | 6.08% | 2.45% |
| Q2 2024 | 5.42% | 1.42% | 4.09% | 6.13% | 2.88% |
| Q3 2024 | 5.55% | 1.57% | 4.07% | 6.38% | 2.78% |
| Q4 2024 | 5.51% | 1.71% | 3.94% | 6.45% | 2.64% |
| Q1 2025 | 5.37% | 1.62% | 3.86% | 6.34% | 2.83% |
| Q2 2025 | 5.51% | 1.42% | 4.20% | 6.42% | 2.83% |
| Q3 2025 | 5.58% | 1.41% | 4.30% | 6.63% | 2.90% |
| Q4 2025 | 5.56% | 1.41% | 4.28% | 6.75% | 2.96% |
| Q1 2026 | 5.38% | 1.38% | 4.09% | 6.60% | 3.16% |
| Q2 2026 | 5.72% | 1.17% | 4.64% | 6.96% | 3.42% |
The First National Bank of Anderson yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Anderson, 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 The First National Bank of Anderson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3075) · FFIEC NIC profile (RSSD 362155)