The First National Bank of Bellevue: 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.
Total interest expense rose 5.6% from Q1 2026 to Q2 2026, ending at $1.2M against $1.1M. It was the largest change among the key lines on this page. Within Ohio, The First National Bank of Bellevue is 32nd of 156 on net interest margin, 4.33% as of Q2 2026, above 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 Bellevue sits 0.38 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.51% |
| Yield on securities | 6.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.07% | 1.76% | 3.25% | 6.09% | 2.99% |
| Q4 2023 | 5.28% | 1.81% | 3.42% | 6.31% | 3.06% |
| Q1 2024 | 5.32% | 1.94% | 3.32% | 6.33% | 2.97% |
| Q2 2024 | 5.34% | 1.93% | 3.37% | 6.31% | 3.05% |
| Q3 2024 | 5.44% | 1.85% | 3.57% | 6.47% | 3.04% |
| Q4 2024 | 5.37% | 1.65% | 3.70% | 6.38% | 3.06% |
| Q1 2025 | 5.27% | 1.66% | 3.57% | 6.25% | 3.15% |
| Q2 2025 | 5.41% | 1.78% | 3.59% | 6.50% | 3.14% |
| Q3 2025 | 5.40% | 1.81% | 3.56% | 6.50% | 3.27% |
| Q4 2025 | 5.80% | 1.75% | 4.03% | 6.46% | 5.20% |
| Q1 2026 | 5.89% | 1.63% | 4.24% | 6.27% | 5.82% |
| Q2 2026 | 6.05% | 1.67% | 4.33% | 6.51% | 6.03% |
The First National Bank of Bellevue 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 Bellevue, 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 Bellevue profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6528) · FFIEC NIC profile (RSSD 243414)