First National Bank of Commerce: 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: 1.35 percentage points lower than in Q1 2026, at 6.45%. First National Bank of Commerce ranks 39th of 78 Arkansas banks on net interest margin, in the upper half at 4.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Commerce sits 0.12 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 6.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $880K |
| Interest expense on deposits | $877K |
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 |
|---|---|---|---|
| Q3 2023 | 4.32% | 1.25% | 3.12% |
| Q4 2023 | 4.52% | 1.57% | 2.99% |
| Q1 2024 | 4.55% | 1.81% | 2.80% |
| Q2 2024 | 4.78% | 1.85% | 2.98% |
| Q3 2024 | 4.91% | 1.82% | 3.14% |
| Q4 2024 | 4.92% | 1.60% | 3.37% |
| Q1 2025 | 4.80% | 1.50% | 3.35% |
| Q2 2025 | 4.92% | 1.53% | 3.43% |
| Q3 2025 | 5.08% | 1.51% | 3.61% |
| Q4 2025 | 5.13% | 1.40% | 3.77% |
| Q1 2026 | 5.06% | 1.28% | 3.83% |
| Q2 2026 | 5.29% | 1.28% | 4.07% |
First National Bank of Commerce 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 Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3896) · FFIEC NIC profile (RSSD 799948)