The First National Bank of Ballinger: 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 fell 0.17 percentage points to 4.07%. Within Texas, The First National Bank of Ballinger is 184th of 345 on net interest margin, 4.07% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Ballinger sits 0.12 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 7.37% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.13% | 1.19% | 4.01% | 6.52% | 1.73% |
| Q4 2023 | 5.20% | 1.38% | 3.91% | 6.62% | 1.76% |
| Q1 2024 | 5.43% | 1.52% | 4.00% | 6.92% | 1.80% |
| Q2 2024 | 5.39% | 1.55% | 3.93% | 6.85% | 1.79% |
| Q3 2024 | 5.72% | 1.61% | 4.21% | 7.26% | 1.80% |
| Q4 2024 | 5.69% | 1.70% | 4.11% | 7.19% | 1.81% |
| Q1 2025 | 5.57% | 1.74% | 3.94% | 7.03% | 1.83% |
| Q2 2025 | 5.80% | 1.72% | 4.21% | 7.45% | 1.82% |
| Q3 2025 | 5.82% | 1.72% | 4.20% | 7.51% | 1.85% |
| Q4 2025 | 5.61% | 1.70% | 4.03% | 7.48% | 1.90% |
| Q1 2026 | 5.76% | 1.63% | 4.24% | 7.64% | 2.09% |
| Q2 2026 | 5.55% | 1.62% | 4.07% | 7.37% | 2.27% |
The First National Bank of Ballinger 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 Ballinger, 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 Ballinger profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3087) · FFIEC NIC profile (RSSD 160454)