First National Bank of Gillette: 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 loans, which rose 0.42 percentage points to 7.48%. Within Wyoming, First National Bank of Gillette is 21st of 24 on net interest margin, 3.15% as of Q2 2026, below the middle of the field. First National Bank of Gillette reported 3.15% on net interest margin for Q2 2026, 0.80 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 7.48% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 3.39% | 1.11% | 2.39% | 6.91% | 2.35% |
| Q4 2023 | 3.55% | 1.22% | 2.45% | 6.91% | 2.36% |
| Q1 2024 | 3.62% | 1.30% | 2.44% | 7.00% | 2.43% |
| Q2 2024 | 3.87% | 1.38% | 2.66% | 7.65% | 2.46% |
| Q3 2024 | 3.80% | 1.43% | 2.57% | 7.52% | 2.53% |
| Q4 2024 | 3.83% | 1.42% | 2.60% | 7.18% | 2.53% |
| Q1 2025 | 3.92% | 1.37% | 2.72% | 7.26% | 2.62% |
| Q2 2025 | 4.10% | 1.37% | 2.90% | 7.41% | 2.78% |
| Q3 2025 | 4.11% | 1.38% | 2.91% | 7.39% | 2.89% |
| Q4 2025 | 4.22% | 1.33% | 3.06% | 7.28% | 3.02% |
| Q1 2026 | 4.12% | 1.30% | 2.97% | 7.06% | 3.11% |
| Q2 2026 | 4.32% | 1.35% | 3.15% | 7.48% | 3.22% |
First National Bank of Gillette 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 Gillette, 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 Gillette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18880) · FFIEC NIC profile (RSSD 890050)