The First National Bank of Hughes Springs: 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.
Compared with Q1 2026, Yield on securities rose 0.48 percentage points in Q2 2026 to 4.35%, the biggest move on this page. Among 345 Texas banks, The First National Bank of Hughes Springs sits 7th from the top on net interest margin, 6.43% as of Q2 2026. Against a median of 3.95% for banks in the $100M-1B asset tier, The First National Bank of Hughes Springs reported 6.43% on net interest margin in Q2 2026, 2.48 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 7.80% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.27% |
| Cost of interest-bearing deposits | 0.53% |
| Cost of interest-bearing liabilities | 0.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.43% |
| Yield to cost spread | 6.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $172K |
| Interest expense on deposits | $161K |
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 | 6.60% | 0.17% | 6.46% | 7.20% | 3.05% |
| Q4 2023 | 6.73% | 0.19% | 6.56% | 7.44% | 3.33% |
| Q1 2024 | 6.74% | 0.20% | 6.56% | 7.42% | 3.52% |
| Q2 2024 | 6.51% | 0.22% | 6.32% | 7.01% | 3.52% |
| Q3 2024 | 6.69% | 0.29% | 6.45% | 7.52% | 2.90% |
| Q4 2024 | 7.37% | 0.22% | 7.18% | 8.07% | 3.54% |
| Q1 2025 | 7.03% | 0.19% | 6.84% | 7.76% | 3.58% |
| Q2 2025 | 6.99% | 0.24% | 6.76% | 7.77% | 3.58% |
| Q3 2025 | 7.10% | 0.22% | 6.88% | 7.92% | 3.74% |
| Q4 2025 | 6.92% | 0.26% | 6.69% | 7.85% | 3.80% |
| Q1 2026 | 6.72% | 0.26% | 6.49% | 7.76% | 3.87% |
| Q2 2026 | 6.66% | 0.27% | 6.43% | 7.80% | 4.35% |
The First National Bank of Hughes Springs 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 Hughes Springs, 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 Hughes Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3268) · FFIEC NIC profile (RSSD 849357)