First National Bank of Giddings: 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.24 percentage points between Q1 2026 and Q2 2026, to 4.16%. Within Texas, First National Bank of Giddings is 265th of 345 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. First National Bank of Giddings reported 3.51% on net interest margin for Q2 2026, 0.44 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.39% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 4.48% | 1.83% | 2.79% | 5.43% | 2.43% |
| Q4 2023 | 4.68% | 2.19% | 2.69% | 5.64% | 2.49% |
| Q1 2024 | 4.85% | 2.27% | 2.74% | 5.83% | 2.47% |
| Q2 2024 | 4.91% | 2.29% | 2.80% | 5.91% | 2.49% |
| Q3 2024 | 5.21% | 2.35% | 3.02% | 6.27% | 2.56% |
| Q4 2024 | 5.33% | 2.35% | 3.17% | 6.37% | 2.54% |
| Q1 2025 | 5.27% | 2.26% | 3.20% | 6.30% | 2.47% |
| Q2 2025 | 5.27% | 2.29% | 3.19% | 6.26% | 2.49% |
| Q3 2025 | 5.55% | 2.26% | 3.48% | 6.61% | 2.68% |
| Q4 2025 | 5.45% | 2.18% | 3.46% | 6.42% | 2.74% |
| Q1 2026 | 5.37% | 2.15% | 3.40% | 6.31% | 2.88% |
| Q2 2026 | 5.48% | 2.16% | 3.51% | 6.39% | 2.91% |
First National Bank of Giddings 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 Giddings, 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 Giddings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3217) · FFIEC NIC profile (RSSD 324153)