First National Bank of Clarksdale: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.22 percentage points to 3.50%. First National Bank of Clarksdale ranks 44th of 57 Mississippi banks on net interest margin, in the lower half at 3.50% (Q2 2026). First National Bank of Clarksdale reported 3.50% on net interest margin for Q2 2026, 0.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.56% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 7.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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% | 1.86% | 3.32% | 6.56% | 2.43% |
| Q4 2023 | 5.27% | 2.27% | 3.19% | 6.85% | 2.47% |
| Q1 2024 | 5.21% | 2.43% | 2.92% | 6.77% | 2.41% |
| Q2 2024 | 5.21% | 2.61% | 2.79% | 6.73% | 2.39% |
| Q3 2024 | 5.51% | 2.64% | 3.02% | 7.07% | 2.38% |
| Q4 2024 | 5.42% | 2.39% | 3.19% | 6.99% | 2.34% |
| Q1 2025 | 5.11% | 2.15% | 3.08% | 6.80% | 2.46% |
| Q2 2025 | 5.37% | 2.12% | 3.35% | 6.90% | 2.55% |
| Q3 2025 | 5.48% | 2.19% | 3.41% | 6.99% | 2.54% |
| Q4 2025 | 5.41% | 2.08% | 3.46% | 6.86% | 2.53% |
| Q1 2026 | 5.16% | 1.98% | 3.28% | 6.52% | 2.50% |
| Q2 2026 | 5.33% | 1.93% | 3.50% | 6.56% | 2.50% |
First National Bank of Clarksdale 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 Clarksdale, 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 Clarksdale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19070) · FFIEC NIC profile (RSSD 11640)