The First National Bank of Aspermont: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.16 percentage points to 3.17%. The First National Bank of Aspermont ranks 299th of 345 Texas banks on net interest margin, in the lower half at 3.17% (Q2 2026). The First National Bank of Aspermont reported 3.17% on net interest margin for Q2 2026, 0.78 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | 7.25% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $879K |
| Total interest expense | $452K |
| Interest expense on deposits | $452K |
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 | 3.79% | 1.02% | 2.71% | 6.18% | 2.46% |
| Q4 2023 | 4.00% | 1.29% | 2.67% | 6.42% | 2.56% |
| Q1 2024 | 3.99% | 1.38% | 2.54% | 6.55% | 2.56% |
| Q2 2024 | 4.15% | 1.53% | 2.58% | 6.66% | 2.61% |
| Q3 2024 | 4.23% | 1.58% | 2.59% | 6.83% | 2.56% |
| Q4 2024 | 4.15% | 1.53% | 2.55% | 6.85% | 2.46% |
| Q1 2025 | 4.29% | 1.50% | 2.68% | 6.94% | 2.65% |
| Q2 2025 | 4.40% | 1.56% | 2.79% | 7.07% | 2.73% |
| Q3 2025 | 4.51% | 1.57% | 2.91% | 7.26% | 2.72% |
| Q4 2025 | 4.44% | 1.47% | 2.95% | 7.28% | 2.63% |
| Q1 2026 | 4.41% | 1.36% | 3.01% | 7.14% | 2.68% |
| Q2 2026 | 4.59% | 1.40% | 3.17% | 7.25% | 2.76% |
The First National Bank of Aspermont 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 Aspermont, 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 Aspermont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3079) · FFIEC NIC profile (RSSD 138257)