The First National Bank of Fleming: 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 0.26 percentage points in Q2 2026 to 2.27%, the biggest move on this page. Within Colorado, The First National Bank of Fleming is 25th of 63 on net interest margin, 4.28% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Fleming sits 0.40 points higher, at 4.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 7.09% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 3.14% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 12.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $458K |
| Total interest expense | $169K |
| Interest expense on deposits | $164K |
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 | 5.69% | 1.52% | 4.31% | 6.53% | 1.48% |
| Q4 2023 | 6.03% | 1.74% | 4.42% | 6.96% | 1.52% |
| Q1 2024 | 6.28% | 2.30% | 4.14% | 7.07% | 1.40% |
| Q2 2024 | 5.99% | 2.53% | 3.83% | 6.76% | 1.53% |
| Q3 2024 | 6.62% | 2.61% | 4.24% | 7.35% | 1.64% |
| Q4 2024 | 6.57% | 2.67% | 4.09% | 7.34% | 1.54% |
| Q1 2025 | 6.51% | 2.72% | 4.04% | 7.30% | 1.59% |
| Q2 2025 | 6.34% | 2.72% | 3.93% | 7.09% | 1.41% |
| Q3 2025 | 6.74% | 2.74% | 4.24% | 7.43% | 1.33% |
| Q4 2025 | 6.70% | 2.64% | 4.23% | 7.38% | 1.93% |
| Q1 2026 | 6.47% | 2.53% | 4.15% | 7.10% | 2.01% |
| Q2 2026 | 6.60% | 2.54% | 4.28% | 7.09% | 2.27% |
The First National Bank of Fleming 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 Fleming, 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 Fleming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3018) · FFIEC NIC profile (RSSD 306056)