The First National Bank of Hebbronville: 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: Yield on securities edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.54%. Within Texas, The First National Bank of Hebbronville is 277th of 345 on net interest margin, 3.37% as of Q2 2026, below 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 Hebbronville sits 0.58 points lower, at 3.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 8.49% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.37% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $539K |
| Total interest expense | $351K |
| Interest expense on deposits | $351K |
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 | 4.40% | 1.70% | 2.81% | 7.66% | 2.71% |
| Q4 2023 | 4.50% | 1.81% | 2.82% | 7.91% | 2.69% |
| Q1 2024 | 4.59% | 1.92% | 2.79% | 7.94% | 2.79% |
| Q2 2024 | 4.61% | 1.91% | 2.84% | 7.96% | 2.81% |
| Q3 2024 | 4.71% | 1.59% | 3.19% | 8.13% | 2.83% |
| Q4 2024 | 5.03% | 1.65% | 3.51% | 8.17% | 3.30% |
| Q1 2025 | 4.60% | 1.72% | 3.00% | 7.76% | 3.13% |
| Q2 2025 | 4.86% | 1.76% | 3.22% | 8.41% | 3.26% |
| Q3 2025 | 5.01% | 1.74% | 3.40% | 8.62% | 3.36% |
| Q4 2025 | 5.08% | 1.62% | 3.63% | 8.49% | 3.66% |
| Q1 2026 | 4.85% | 1.57% | 3.38% | 8.38% | 3.42% |
| Q2 2026 | 4.85% | 1.61% | 3.37% | 8.49% | 3.54% |
The First National Bank of Hebbronville 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 Hebbronville, 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 Hebbronville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3248) · FFIEC NIC profile (RSSD 173959)