The First National Bank of Blanchester: 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 4.10% to 4.19%, the largest move among the key lines here. The First National Bank of Blanchester ranks 41st of 156 Ohio banks on net interest margin, in the upper half at 4.19% (Q2 2026). The First National Bank of Blanchester reported 4.19% on net interest margin for Q2 2026, 0.31 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.85% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.81% |
| Cost of interest-bearing deposits | 0.87% |
| Cost of interest-bearing liabilities | 0.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $722K |
| Total interest expense | $141K |
| Interest expense on deposits | $141K |
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% | 0.66% | 3.16% | 5.14% | 1.52% |
| Q4 2023 | 3.92% | 0.89% | 3.07% | 5.23% | 1.50% |
| Q1 2024 | 3.89% | 0.98% | 2.96% | 5.18% | 1.49% |
| Q2 2024 | 4.17% | 0.95% | 3.27% | 5.41% | 1.45% |
| Q3 2024 | 4.29% | 0.97% | 3.37% | 5.52% | 1.47% |
| Q4 2024 | 4.39% | 0.87% | 3.57% | 5.51% | 1.59% |
| Q1 2025 | 4.38% | 0.85% | 3.58% | 5.50% | 1.90% |
| Q2 2025 | 4.57% | 0.83% | 3.78% | 5.67% | 2.22% |
| Q3 2025 | 4.77% | 0.83% | 3.99% | 5.88% | 2.43% |
| Q4 2025 | 4.90% | 0.80% | 4.14% | 5.95% | 2.56% |
| Q1 2026 | 4.85% | 0.79% | 4.10% | 5.81% | 2.64% |
| Q2 2026 | 4.95% | 0.81% | 4.19% | 5.85% | 2.79% |
The First National Bank of Blanchester 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 Blanchester, 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 Blanchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6530) · FFIEC NIC profile (RSSD 735414)