First National Bank of Izard County: 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, Net interest margin rose 0.21 percentage points in Q2 2026 to 5.13%, the biggest move on this page. On net interest margin, First National Bank of Izard County ranks 6th highest among the 78 banks headquartered in Arkansas, at 5.13% (Q2 2026). First National Bank of Izard County reported 5.13% on net interest margin for Q2 2026, 1.18 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 8.90% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.13% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $577K |
| Interest expense on deposits | $577K |
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 | 5.13% | 0.88% | 4.46% | 7.56% | 2.11% |
| Q4 2023 | 5.33% | 1.16% | 4.46% | 7.75% | 2.10% |
| Q1 2024 | 5.39% | 1.43% | 4.32% | 7.94% | 2.10% |
| Q2 2024 | 5.72% | 1.54% | 4.57% | 8.29% | 2.10% |
| Q3 2024 | 5.83% | 1.58% | 4.65% | 8.45% | 2.12% |
| Q4 2024 | 5.86% | 1.65% | 4.62% | 8.43% | 2.12% |
| Q1 2025 | 5.68% | 1.63% | 4.45% | 8.16% | 2.18% |
| Q2 2025 | 5.92% | 1.57% | 4.75% | 8.38% | 2.34% |
| Q3 2025 | 6.48% | 1.57% | 5.31% | 9.22% | 2.54% |
| Q4 2025 | 6.37% | 1.50% | 5.23% | 9.13% | 2.61% |
| Q1 2026 | 5.99% | 1.42% | 4.92% | 8.57% | 2.74% |
| Q2 2026 | 6.20% | 1.44% | 5.13% | 8.90% | 2.91% |
First National Bank of Izard County yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Izard County, 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 First National Bank of Izard County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11252) · FFIEC NIC profile (RSSD 379649)