First National Bank of Lake Jackson: 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.
In Q2 2026, Net interest margin edged down by 0.10 percentage points, from 1.69% to 1.59%, the largest move among the key lines here. On net interest margin, First National Bank of Lake Jackson is 1st from the bottom among 345 Texas banks, 1.59% (Q2 2026). Against a median of 3.95% for banks in the $100M-1B asset tier, First National Bank of Lake Jackson reported 1.59% on net interest margin in Q2 2026, 2.36 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.26% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.59% |
| Yield to cost spread | 1.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $854K |
| Total interest expense | $923K |
| Interest expense on deposits | $923K |
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 |
|---|---|---|---|
| Q3 2023 | 2.64% | 1.97% | 0.63% |
| Q4 2023 | 2.86% | 2.06% | 0.72% |
| Q1 2024 | 3.14% | 1.86% | 1.16% |
| Q2 2024 | 3.14% | 2.04% | 1.06% |
| Q3 2024 | 3.25% | 2.02% | 1.20% |
| Q4 2024 | 3.19% | 1.78% | 1.35% |
| Q1 2025 | 3.22% | 1.65% | 1.46% |
| Q2 2025 | 3.29% | 1.60% | 1.62% |
| Q3 2025 | 3.23% | 1.57% | 1.62% |
| Q4 2025 | 3.27% | 1.49% | 1.73% |
| Q1 2026 | 3.20% | 1.47% | 1.69% |
| Q2 2026 | 3.26% | 1.63% | 1.59% |
First National Bank of Lake Jackson 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 Lake Jackson, 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 Lake Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18895) · FFIEC NIC profile (RSSD 560353)