The First National Bank of Hutchinson: 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 Net interest margin, which rose 0.19 percentage points to 3.65%. The First National Bank of Hutchinson ranks 130th of 182 Kansas banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; The First National Bank of Hutchinson reported 3.65% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.36% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 4.00% |
| Cost of interest-bearing liabilities | 3.98% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 1.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.1M |
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 | 4.99% | 2.16% | 2.99% | 5.66% | 1.89% |
| Q4 2023 | 5.16% | 2.23% | 2.95% | 5.82% | 1.91% |
| Q1 2024 | 5.28% | 2.09% | 2.90% | 5.93% | 1.91% |
| Q2 2024 | 5.39% | 2.24% | 2.89% | 6.04% | 1.91% |
| Q3 2024 | 5.48% | 2.19% | 2.89% | 6.13% | 1.90% |
| Q4 2024 | 5.44% | 2.02% | 3.04% | 6.13% | 1.91% |
| Q1 2025 | 5.35% | 1.91% | 3.06% | 6.05% | 1.97% |
| Q2 2025 | 5.43% | 1.87% | 3.20% | 6.14% | 2.06% |
| Q3 2025 | 5.51% | 1.84% | 3.32% | 6.26% | 2.23% |
| Q4 2025 | 5.45% | 1.63% | 3.45% | 6.22% | 2.47% |
| Q1 2026 | 5.36% | 1.55% | 3.46% | 6.15% | 2.57% |
| Q2 2026 | 5.51% | 1.53% | 3.65% | 6.36% | 2.64% |
The First National Bank of Hutchinson 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 Hutchinson, 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 Hutchinson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4697) · FFIEC NIC profile (RSSD 754853)