The First National Bank of Livingston: 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 0.90%. The First National Bank of Livingston ranks 203rd of 345 Texas banks on net interest margin, in the lower half at 3.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The First National Bank of Livingston reported 3.97% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 6.62% |
| Yield on securities | 1.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.46% |
| Cost of interest-bearing deposits | 0.90% |
| Cost of interest-bearing liabilities | 0.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $458K |
| Interest expense on deposits | $459K |
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 | 2.87% | 0.58% | 2.34% | 5.77% | 1.32% |
| Q4 2023 | 3.04% | 0.79% | 2.33% | 6.17% | 1.32% |
| Q1 2024 | 3.13% | 0.74% | 2.47% | 5.81% | 1.38% |
| Q2 2024 | 3.10% | 0.86% | 2.35% | 5.47% | 1.38% |
| Q3 2024 | 3.39% | 0.83% | 2.66% | 6.41% | 1.35% |
| Q4 2024 | 3.51% | 0.63% | 2.98% | 6.33% | 1.34% |
| Q1 2025 | 3.73% | 0.42% | 3.36% | 6.33% | 1.50% |
| Q2 2025 | 3.83% | 0.43% | 3.46% | 6.42% | 1.53% |
| Q3 2025 | 3.99% | 0.39% | 3.65% | 6.69% | 1.54% |
| Q4 2025 | 4.11% | 0.41% | 3.76% | 6.81% | 1.61% |
| Q1 2026 | 4.26% | 0.40% | 3.91% | 6.55% | 1.81% |
| Q2 2026 | 4.37% | 0.46% | 3.97% | 6.62% | 1.93% |
The First National Bank of Livingston 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 Livingston, 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 Livingston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3305) · FFIEC NIC profile (RSSD 630658)