The First National Bank of Germantown: 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 Yield on securities, which fell 0.29 percentage points to 2.94%. Within Ohio, The First National Bank of Germantown is 115th of 156 on net interest margin, 3.19% as of Q2 2026, below the middle of the field. The First National Bank of Germantown reported 3.19% on net interest margin for Q2 2026, 0.70 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.65% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $822K |
| Total interest expense | $360K |
| Interest expense on deposits | $328K |
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 | 3.98% | 1.25% | 2.82% | 4.64% | 1.50% |
| Q4 2023 | 4.27% | 1.52% | 2.83% | 4.81% | 1.67% |
| Q1 2024 | 4.17% | 1.67% | 2.63% | 4.82% | 1.61% |
| Q2 2024 | 4.28% | 1.79% | 2.63% | 4.94% | 1.62% |
| Q3 2024 | 4.37% | 1.94% | 2.64% | 5.08% | 1.59% |
| Q4 2024 | 4.31% | 1.88% | 2.61% | 5.13% | 1.49% |
| Q1 2025 | 4.25% | 1.74% | 2.70% | 5.08% | 2.35% |
| Q2 2025 | 4.42% | 1.67% | 2.88% | 5.19% | 2.60% |
| Q3 2025 | 4.60% | 1.73% | 3.01% | 5.52% | 2.68% |
| Q4 2025 | 4.51% | 1.67% | 2.99% | 5.47% | 2.86% |
| Q1 2026 | 4.63% | 1.62% | 3.10% | 5.47% | 3.23% |
| Q2 2026 | 4.73% | 1.68% | 3.19% | 5.65% | 2.94% |
The First National Bank of Germantown 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 Germantown, 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 Germantown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6592) · FFIEC NIC profile (RSSD 505916)