First National Bank of Central Texas: 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 3.8% from Q1 2026 to Q2 2026, ending at $6.4M against $6.1M. It was the largest change among the key lines on this page. Within Texas, First National Bank of Central Texas is 143rd of 345 on net interest margin, 4.27% as of Q2 2026, above the middle of the field. First National Bank of Central Texas reported 4.27% on net interest margin for Q2 2026, 0.56 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.33% |
| Yield on securities | 2.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 0.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.6M |
| Total interest expense | $6.4M |
| Interest expense on deposits | $6.4M |
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 | 5.39% | 1.35% | 3.89% | 5.87% | 1.99% |
| Q4 2023 | 5.67% | 1.63% | 3.95% | 6.06% | 2.01% |
| Q1 2024 | 5.61% | 1.74% | 3.78% | 6.16% | 2.01% |
| Q2 2024 | 5.86% | 1.97% | 3.70% | 6.25% | 2.00% |
| Q3 2024 | 5.77% | 1.97% | 3.67% | 6.35% | 2.01% |
| Q4 2024 | 5.84% | 1.69% | 4.00% | 6.34% | 2.02% |
| Q1 2025 | 5.59% | 1.55% | 3.90% | 6.21% | 2.02% |
| Q2 2025 | 5.81% | 1.57% | 4.15% | 6.36% | 2.02% |
| Q3 2025 | 5.84% | 1.56% | 4.18% | 6.52% | 2.08% |
| Q4 2025 | 5.79% | 1.45% | 4.23% | 6.46% | 2.10% |
| Q1 2026 | 5.59% | 1.34% | 4.12% | 6.25% | 2.10% |
| Q2 2026 | 5.74% | 1.35% | 4.27% | 6.33% | 2.09% |
First National Bank of Central Texas 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 Central Texas, 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 Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)