The First National Bank of Peterstown: 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 securities edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 2.67%. Within West Virginia, The First National Bank of Peterstown is 22nd of 41 on net interest margin, 3.93% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; The First National Bank of Peterstown reported 3.93% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | 5.93% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.55% |
| Cost of interest-bearing deposits | 1.03% |
| Cost of interest-bearing liabilities | 1.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $546K |
| Total interest expense | $103K |
| Interest expense on deposits | $103K |
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 | 3.94% | 0.27% | 3.67% | 5.19% | 1.66% |
| Q4 2023 | 4.10% | 0.45% | 3.65% | 5.30% | 1.65% |
| Q1 2024 | 4.17% | 0.59% | 3.57% | 5.31% | 1.72% |
| Q2 2024 | 4.25% | 0.69% | 3.56% | 5.48% | 1.91% |
| Q3 2024 | 4.28% | 0.68% | 3.60% | 5.69% | 1.85% |
| Q4 2024 | 4.20% | 0.75% | 3.45% | 5.69% | 1.79% |
| Q1 2025 | 4.15% | 0.71% | 3.44% | 5.63% | 1.91% |
| Q2 2025 | 4.31% | 0.65% | 3.65% | 5.78% | 2.30% |
| Q3 2025 | 4.39% | 0.61% | 3.76% | 5.91% | 2.49% |
| Q4 2025 | 4.43% | 0.63% | 3.78% | 5.92% | 2.40% |
| Q1 2026 | 4.45% | 0.57% | 3.89% | 6.01% | 2.58% |
| Q2 2026 | 4.48% | 0.55% | 3.93% | 5.93% | 2.67% |
The First National Bank of Peterstown 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 Peterstown, 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 Peterstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6787) · FFIEC NIC profile (RSSD 719030)