The First National Bank of Louisburg: 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 0.28 percentage points to 3.87%. The First National Bank of Louisburg ranks 104th of 182 Kansas banks on net interest margin, in the lower half at 3.87% (Q2 2026). At 3.87%, The First National Bank of Louisburg's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.41% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 2.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $552K |
| Interest expense on deposits | $491K |
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 | 3.43% | 1.01% | 2.53% | 5.16% | 1.71% |
| Q4 2023 | 3.44% | 1.71% | 1.93% | 5.04% | 1.70% |
| Q1 2024 | 3.56% | 1.77% | 1.94% | 5.19% | 1.67% |
| Q2 2024 | 3.70% | 1.80% | 2.07% | 5.39% | 1.66% |
| Q3 2024 | 3.79% | 1.96% | 2.08% | 5.51% | 1.62% |
| Q4 2024 | 4.08% | 1.89% | 2.37% | 5.81% | 1.65% |
| Q1 2025 | 4.09% | 1.39% | 2.83% | 5.74% | 1.67% |
| Q2 2025 | 4.19% | 1.42% | 2.93% | 5.80% | 1.63% |
| Q3 2025 | 4.41% | 1.40% | 3.16% | 6.08% | 1.48% |
| Q4 2025 | 4.71% | 1.29% | 3.56% | 6.29% | 1.52% |
| Q1 2026 | 4.67% | 1.18% | 3.59% | 6.07% | 1.68% |
| Q2 2026 | 4.99% | 1.25% | 3.87% | 6.41% | 2.18% |
The First National Bank of Louisburg 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 Louisburg, 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 Louisburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4722) · FFIEC NIC profile (RSSD 132451)