The First National Bank of Brooksville: 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 Cost of borrowings: 5.13 percentage points higher than in Q1 2026, at 5.13%. Within Kentucky, The First National Bank of Brooksville is 30th of 119 on net interest margin, 4.32% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Brooksville sits 0.44 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 6.60% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.98% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | 5.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $682K |
| Total interest expense | $161K |
| Interest expense on deposits | $160K |
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 | 3.73% | 0.27% | 3.48% | 5.61% | 1.63% |
| Q4 2023 | 3.91% | 0.95% | 3.04% | 5.75% | 1.65% |
| Q1 2024 | 3.99% | 1.11% | 2.97% | 5.85% | 1.77% |
| Q2 2024 | 4.23% | 1.07% | 3.25% | 6.12% | 1.99% |
| Q3 2024 | 4.52% | 1.23% | 3.39% | 6.54% | 2.11% |
| Q4 2024 | 4.62% | 1.23% | 3.50% | 6.58% | 2.12% |
| Q1 2025 | 4.61% | 1.23% | 3.53% | 6.44% | 2.22% |
| Q2 2025 | 4.83% | 1.10% | 3.85% | 6.66% | 2.31% |
| Q3 2025 | 5.14% | 0.99% | 4.22% | 6.84% | 2.56% |
| Q4 2025 | 5.23% | 1.06% | 4.27% | 6.84% | 2.68% |
| Q1 2026 | 5.15% | 0.99% | 4.24% | 6.77% | 2.77% |
| Q2 2026 | 5.23% | 0.98% | 4.32% | 6.60% | 3.21% |
The First National Bank of Brooksville 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 Brooksville, 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 Brooksville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2682) · FFIEC NIC profile (RSSD 798512)