First National Bank of Orwell: 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: Yield on earning assets edged down 0.13 percentage points between Q1 2026 and Q2 2026, to 6.37%. As of Q2 2026, First National Bank of Orwell ranks first in Vermont on net interest margin among 12 banks, at 4.58%. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First National Bank of Orwell sits 0.69 points higher, at 4.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 7.09% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $388K |
| Interest expense on deposits | $388K |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.70% | 0.89% | 4.87% | 5.73% |
| Q4 2023 | 6.46% | 1.07% | 5.49% | 6.58% |
| Q1 2024 | 6.22% | 1.70% | 4.66% | 6.31% |
| Q2 2024 | 6.46% | 1.99% | 4.63% | 6.56% |
| Q3 2024 | 6.60% | 2.21% | 4.57% | 6.75% |
| Q4 2024 | 6.61% | 2.39% | 4.44% | 6.93% |
| Q1 2025 | 6.57% | 2.35% | 4.39% | 6.94% |
| Q2 2025 | 6.75% | 2.33% | 4.59% | 7.11% |
| Q3 2025 | 6.82% | 2.28% | 4.72% | 7.20% |
| Q4 2025 | 6.89% | 2.20% | 4.89% | 7.42% |
| Q1 2026 | 6.50% | 2.01% | 4.64% | 7.09% |
| Q2 2026 | 6.37% | 1.95% | 4.58% | 7.09% |
First National Bank of Orwell yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Orwell, 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 First National Bank of Orwell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6280) · FFIEC NIC profile (RSSD 177500)