First National Bank of Fort Stockton: 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: 4.74 percentage points higher than in Q1 2026, at 7.63%. First National Bank of Fort Stockton ranks 47th of 345 Texas banks on net interest margin, in the upper half at 5.02% (Q2 2026). First National Bank of Fort Stockton reported 5.02% on net interest margin for Q2 2026, 1.07 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 8.52% |
| Yield on securities | 3.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | 7.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.02% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $424K |
| Interest expense on deposits | $412K |
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 | 4.86% | 0.62% | 4.31% | 6.44% | 2.38% |
| Q4 2023 | 5.03% | 0.54% | 4.55% | 6.61% | 2.42% |
| Q1 2024 | 5.07% | 0.93% | 4.23% | 6.75% | 2.43% |
| Q2 2024 | 5.44% | 1.03% | 4.52% | 7.20% | 2.43% |
| Q3 2024 | 6.34% | 1.08% | 5.39% | 8.76% | 2.41% |
| Q4 2024 | 5.65% | 0.98% | 4.79% | 7.72% | 2.49% |
| Q1 2025 | 5.33% | 0.94% | 4.49% | 7.13% | 2.58% |
| Q2 2025 | 5.37% | 1.11% | 4.36% | 7.15% | 2.69% |
| Q3 2025 | 6.04% | 1.17% | 4.97% | 8.29% | 2.99% |
| Q4 2025 | 5.90% | 1.16% | 4.84% | 8.28% | 3.21% |
| Q1 2026 | 5.72% | 1.24% | 4.56% | 8.14% | 3.28% |
| Q2 2026 | 6.12% | 1.20% | 5.02% | 8.52% | 3.41% |
First National Bank of Fort Stockton 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 Fort Stockton, 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 Fort Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17913) · FFIEC NIC profile (RSSD 397456)