First National Bank of Bosque County: 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: 0.46 percentage points higher than in Q1 2026, at 4.69%. First National Bank of Bosque County ranks 83rd of 345 Texas banks on net interest margin, in the upper half at 4.69% (Q2 2026). First National Bank of Bosque County reported 4.69% on net interest margin for Q2 2026, 0.74 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.00% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.95% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $381K |
| Interest expense on deposits | $381K |
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 | 4.61% | 0.83% | 3.86% | 5.34% | 1.72% |
| Q4 2023 | 5.03% | 0.77% | 4.30% | 5.62% | 2.92% |
| Q1 2024 | 4.92% | 0.81% | 4.18% | 5.68% | 2.70% |
| Q2 2024 | 5.12% | 0.80% | 4.36% | 5.69% | 2.94% |
| Q3 2024 | 5.27% | 0.77% | 4.56% | 5.87% | 2.60% |
| Q4 2024 | 5.30% | 0.83% | 4.54% | 5.96% | 2.88% |
| Q1 2025 | 5.28% | 0.78% | 4.54% | 5.77% | 3.34% |
| Q2 2025 | 5.55% | 0.82% | 4.78% | 5.93% | 3.51% |
| Q3 2025 | 5.62% | 0.90% | 4.78% | 6.05% | 4.26% |
| Q4 2025 | 5.34% | 1.02% | 4.43% | 6.02% | 3.54% |
| Q1 2026 | 5.12% | 0.98% | 4.23% | 5.91% | 3.34% |
| Q2 2026 | 5.56% | 0.95% | 4.69% | 6.00% | 3.30% |
First National Bank of Bosque County yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Bosque County, 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 First National Bank of Bosque County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5564) · FFIEC NIC profile (RSSD 198961)