The First National Bank of Mount Dora: 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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 3.41%, the biggest move on this page. The First National Bank of Mount Dora ranks 60th of 79 Florida banks on net interest margin, in the lower half at 3.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Mount Dora sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 6.14% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 7.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $829K |
| Interest expense on deposits | $828K |
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 | 3.71% | 0.93% | 2.81% | 5.33% | 3.09% |
| Q4 2023 | 3.81% | 1.29% | 2.60% | 5.52% | 3.08% |
| Q1 2024 | 3.90% | 1.35% | 2.59% | 5.61% | 3.12% |
| Q2 2024 | 4.06% | 1.33% | 2.80% | 5.78% | 3.13% |
| Q3 2024 | 4.00% | 1.53% | 2.67% | 5.75% | 3.10% |
| Q4 2024 | 3.97% | 1.44% | 2.71% | 5.78% | 2.96% |
| Q1 2025 | 3.94% | 1.20% | 2.80% | 5.78% | 2.97% |
| Q2 2025 | 4.16% | 1.27% | 2.97% | 5.99% | 3.05% |
| Q3 2025 | 4.00% | 1.32% | 2.78% | 5.96% | 2.81% |
| Q4 2025 | 4.19% | 1.24% | 3.02% | 6.01% | 2.95% |
| Q1 2026 | 4.18% | 1.01% | 3.25% | 5.92% | 3.02% |
| Q2 2026 | 4.35% | 1.03% | 3.41% | 6.14% | 3.14% |
The First National Bank of Mount Dora 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 Mount Dora, 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 Mount Dora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3579) · FFIEC NIC profile (RSSD 61832)