The First National Bank of Eagle Lake: 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.
Net interest margin rose 0.36 percentage points from Q1 2026 to Q2 2026, ending at 5.08% against 4.72%. It was the largest change among the key lines on this page. Within Texas, The First National Bank of Eagle Lake is 42nd of 345 on net interest margin, 5.08% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Eagle Lake sits 1.13 points higher, at 5.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 7.38% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.74% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.08% |
| Yield to cost spread | 4.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $377K |
| Interest expense on deposits | $377K |
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 | 6.07% | 0.79% | 5.01% | 7.02% | 2.50% |
| Q4 2023 | 6.17% | 0.92% | 4.93% | 6.97% | 2.57% |
| Q1 2024 | 6.02% | 1.00% | 4.71% | 6.93% | 2.57% |
| Q2 2024 | 6.28% | 1.14% | 4.82% | 7.05% | 2.60% |
| Q3 2024 | 6.11% | 1.19% | 4.57% | 7.17% | 2.64% |
| Q4 2024 | 6.10% | 1.07% | 4.73% | 7.08% | 2.62% |
| Q1 2025 | 5.71% | 1.11% | 4.29% | 6.81% | 2.71% |
| Q2 2025 | 6.07% | 0.92% | 4.89% | 6.96% | 2.76% |
| Q3 2025 | 5.93% | 0.94% | 4.70% | 7.03% | 2.85% |
| Q4 2025 | 5.99% | 0.70% | 5.06% | 7.27% | 2.86% |
| Q1 2026 | 5.69% | 0.74% | 4.72% | 7.08% | 3.18% |
| Q2 2026 | 6.02% | 0.74% | 5.08% | 7.38% | 3.17% |
The First National Bank of Eagle Lake 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 Eagle Lake, 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 Eagle Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3179) · FFIEC NIC profile (RSSD 651952)