First National Bank of Eastern Arkansas: 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 0.20 percentage points to 3.99%. First National Bank of Eastern Arkansas ranks 45th of 78 Arkansas banks on net interest margin, in the lower half at 3.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First National Bank of Eastern Arkansas reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.69% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.60% | 1.17% | 3.48% | 6.39% | 1.61% |
| Q4 2023 | 4.84% | 1.30% | 3.63% | 6.69% | 1.61% |
| Q1 2024 | 4.80% | 1.40% | 3.49% | 6.60% | 1.67% |
| Q2 2024 | 5.06% | 1.50% | 3.67% | 6.76% | 1.85% |
| Q3 2024 | 5.28% | 1.57% | 3.82% | 6.98% | 1.88% |
| Q4 2024 | 5.21% | 1.60% | 3.75% | 6.90% | 1.93% |
| Q1 2025 | 5.18% | 1.57% | 3.73% | 6.81% | 2.02% |
| Q2 2025 | 5.33% | 1.60% | 3.85% | 6.80% | 2.08% |
| Q3 2025 | 5.70% | 1.64% | 4.18% | 7.10% | 2.26% |
| Q4 2025 | 5.54% | 1.61% | 4.06% | 6.96% | 2.39% |
| Q1 2026 | 5.20% | 1.53% | 3.79% | 6.64% | 2.47% |
| Q2 2026 | 5.38% | 1.53% | 3.99% | 6.69% | 2.68% |
First National Bank of Eastern Arkansas 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 Eastern Arkansas, 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 Eastern Arkansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3863) · FFIEC NIC profile (RSSD 251745)