The First National Bank of Grayson: 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.
Cost of borrowings fell 0.69 percentage points from Q1 2026 to Q2 2026, ending at 2.34% against 3.04%. It was the largest change among the key lines on this page. Within Kentucky, The First National Bank of Grayson is 13th of 119 on net interest margin, 4.81% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Grayson sits 0.86 points higher, at 4.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 7.04% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.93% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.52% |
| Cost of borrowings | 2.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.81% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $754K |
| Interest expense on deposits | $751K |
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 | 5.02% | 0.94% | 4.12% | 6.66% | 1.84% |
| Q4 2023 | 5.15% | 1.09% | 4.11% | 6.75% | 1.90% |
| Q1 2024 | 5.24% | 1.22% | 4.09% | 6.84% | 1.88% |
| Q2 2024 | 5.36% | 1.20% | 4.23% | 6.86% | 1.88% |
| Q3 2024 | 5.33% | 1.30% | 4.11% | 6.85% | 2.15% |
| Q4 2024 | 5.40% | 1.38% | 4.13% | 6.91% | 2.69% |
| Q1 2025 | 5.24% | 1.22% | 4.12% | 6.82% | 2.50% |
| Q2 2025 | 5.36% | 1.16% | 4.30% | 6.91% | 2.42% |
| Q3 2025 | 5.52% | 1.09% | 4.53% | 7.09% | 2.49% |
| Q4 2025 | 5.49% | 0.97% | 4.62% | 6.98% | 2.56% |
| Q1 2026 | 5.43% | 0.91% | 4.60% | 6.80% | 2.62% |
| Q2 2026 | 5.65% | 0.93% | 4.81% | 7.04% | 2.78% |
The First National Bank of Grayson 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 Grayson, 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 Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2695) · FFIEC NIC profile (RSSD 610913)