The First National Bank of Lipan: 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 0.13 percentage points to 4.36%. The First National Bank of Lipan ranks 126th of 345 Texas banks on net interest margin, in the upper half at 4.36% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Lipan sits 0.48 points higher, at 4.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.50% |
| Yield on loans | 6.39% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.14% |
| Cost of interest-bearing deposits | 0.32% |
| Cost of interest-bearing liabilities | 0.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $122K |
| Total interest expense | $8K |
| Interest expense on deposits | $8K |
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 | 3.77% | 0.08% | 3.69% | 5.80% | 0.92% |
| Q4 2023 | 3.90% | 0.06% | 3.84% | 6.16% | 0.92% |
| Q1 2024 | 3.93% | 0.06% | 3.86% | 6.17% | 0.99% |
| Q2 2024 | 4.03% | 0.08% | 3.94% | 6.16% | 0.82% |
| Q3 2024 | 4.13% | 0.08% | 4.05% | 6.31% | 0.90% |
| Q4 2024 | 4.29% | 0.08% | 4.20% | 6.31% | 1.35% |
| Q1 2025 | 4.24% | 0.08% | 4.15% | 6.29% | 2.01% |
| Q2 2025 | 4.34% | 0.08% | 4.25% | 6.44% | 2.22% |
| Q3 2025 | 4.33% | 0.11% | 4.22% | 6.43% | 2.55% |
| Q4 2025 | 4.44% | 0.12% | 4.32% | 6.56% | 2.56% |
| Q1 2026 | 4.36% | 0.12% | 4.23% | 6.30% | 2.73% |
| Q2 2026 | 4.50% | 0.14% | 4.36% | 6.39% | 3.06% |
The First National Bank of Lipan 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 Lipan, 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 Lipan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3303) · FFIEC NIC profile (RSSD 811457)