The First National Bank of McGregor: 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 0.17 percentage points to 4.31%. The First National Bank of McGregor ranks 134th of 345 Texas banks on net interest margin, in the upper half at 4.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The First National Bank of McGregor sits 0.60 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.42% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.19% |
| Cost of interest-bearing deposits | 3.47% |
| Cost of interest-bearing liabilities | 3.48% |
| Cost of borrowings | 4.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.5M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $7.4M |
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 | 6.56% | 3.04% | 3.68% |
| Q4 2023 | 7.17% | 3.23% | 4.10% |
| Q1 2024 | 6.85% | 3.41% | 3.55% |
| Q2 2024 | 7.55% | 3.53% | 4.18% |
| Q3 2024 | 7.49% | 3.59% | 3.95% |
| Q4 2024 | 7.67% | 3.65% | 4.18% |
| Q1 2025 | 7.43% | 3.59% | 3.95% |
| Q2 2025 | 7.65% | 3.58% | 4.22% |
| Q3 2025 | 7.88% | 3.51% | 4.50% |
| Q4 2025 | 7.67% | 3.36% | 4.41% |
| Q1 2026 | 7.27% | 3.21% | 4.14% |
| Q2 2026 | 7.42% | 3.19% | 4.31% |
The First National Bank of McGregor 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 McGregor, 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 McGregor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3330) · FFIEC NIC profile (RSSD 895055)