The First National Bank of Hope: 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 standout move of Q2 2026 was in Cost of borrowings: 282.24 percentage points lower than in Q1 2026, at 212.50%. The First National Bank of Hope ranks 54th of 182 Kansas banks on net interest margin, in the upper half at 4.27% (Q2 2026). The First National Bank of Hope reported 4.27% on net interest margin for Q2 2026, 0.38 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 7.50% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | 212.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $864K |
| Total interest expense | $251K |
| Interest expense on deposits | $234K |
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 | 4.82% | 1.23% | 3.70% | 6.66% | 2.46% |
| Q4 2023 | 5.25% | 1.35% | 4.01% | 7.22% | 2.67% |
| Q1 2024 | 5.14% | 1.62% | 3.66% | 7.09% | 2.71% |
| Q2 2024 | 5.26% | 2.03% | 3.45% | 7.15% | 2.91% |
| Q3 2024 | 4.81% | 2.15% | 2.90% | 6.42% | 2.71% |
| Q4 2024 | 5.08% | 1.94% | 3.32% | 6.82% | 2.75% |
| Q1 2025 | 5.07% | 1.71% | 3.47% | 6.70% | 2.81% |
| Q2 2025 | 5.34% | 1.60% | 3.87% | 7.09% | 2.83% |
| Q3 2025 | 5.11% | 1.56% | 3.69% | 6.76% | 2.75% |
| Q4 2025 | 4.86% | 1.51% | 3.54% | 6.79% | 2.51% |
| Q1 2026 | 4.98% | 1.47% | 3.64% | 6.61% | 2.81% |
| Q2 2026 | 5.52% | 1.35% | 4.27% | 7.50% | 2.89% |
The First National Bank of Hope 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 Hope, 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 Hope profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4690) · FFIEC NIC profile (RSSD 870856)