The First National Bank of McConnelsville: 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 0.23 percentage points to 4.26%. The First National Bank of McConnelsville ranks 36th of 156 Ohio banks on net interest margin, in the upper half at 4.26% (Q2 2026). The First National Bank of McConnelsville reported 4.26% on net interest margin for Q2 2026, 0.31 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 6.29% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.28% |
| Cost of interest-bearing liabilities | 1.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $417K |
| Interest expense on deposits | $417K |
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 | 4.17% | 0.75% | 3.45% | 5.27% | 1.63% |
| Q4 2023 | 4.44% | 0.81% | 3.67% | 5.39% | 1.84% |
| Q1 2024 | 4.37% | 0.98% | 3.44% | 5.43% | 1.89% |
| Q2 2024 | 4.57% | 1.01% | 3.61% | 5.59% | 1.96% |
| Q3 2024 | 4.66% | 1.04% | 3.67% | 5.75% | 2.02% |
| Q4 2024 | 4.69% | 1.04% | 3.71% | 5.77% | 2.03% |
| Q1 2025 | 4.53% | 0.99% | 3.60% | 5.76% | 2.05% |
| Q2 2025 | 4.73% | 0.99% | 3.80% | 5.92% | 2.24% |
| Q3 2025 | 4.74% | 1.01% | 3.80% | 5.98% | 2.40% |
| Q4 2025 | 4.88% | 0.97% | 3.98% | 6.17% | 2.54% |
| Q1 2026 | 4.88% | 0.92% | 4.03% | 6.15% | 2.94% |
| Q2 2026 | 5.14% | 0.96% | 4.26% | 6.29% | 3.15% |
The First National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6637) · FFIEC NIC profile (RSSD 44929)