The First National Bank of Evant: 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.
Compared with Q1 2026, Yield on securities rose 0.30 percentage points in Q2 2026 to 2.85%, the biggest move on this page. Within Texas, The First National Bank of Evant is 88th of 345 on net interest margin, 4.67% 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 Evant sits 0.72 points higher, at 4.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 7.17% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.67% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $587K |
| Interest expense on deposits | $587K |
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 | 4.54% | 0.93% | 3.65% | 6.32% | 1.30% |
| Q4 2023 | 4.84% | 1.15% | 3.74% | 6.59% | 1.42% |
| Q1 2024 | 4.99% | 1.20% | 3.85% | 6.60% | 1.20% |
| Q2 2024 | 5.26% | 1.47% | 3.86% | 6.84% | 1.10% |
| Q3 2024 | 5.46% | 1.67% | 3.87% | 7.01% | 1.05% |
| Q4 2024 | 5.57% | 1.62% | 4.03% | 7.15% | 1.30% |
| Q1 2025 | 5.58% | 1.54% | 4.11% | 7.03% | 1.59% |
| Q2 2025 | 5.83% | 1.38% | 4.53% | 7.15% | 1.81% |
| Q3 2025 | 5.96% | 1.34% | 4.71% | 7.29% | 2.14% |
| Q4 2025 | 5.92% | 1.32% | 4.65% | 7.30% | 2.42% |
| Q1 2026 | 5.81% | 1.31% | 4.56% | 7.11% | 2.55% |
| Q2 2026 | 5.92% | 1.33% | 4.67% | 7.17% | 2.85% |
The First National Bank of Evant 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 Evant, 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 Evant profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3190) · FFIEC NIC profile (RSSD 379153)