The First National Bank of Primghar: 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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 3.81% against 3.51%. It was the largest change among the key lines on this page. Within Iowa, The First National Bank of Primghar is 81st of 225 on net interest margin, 3.81% as of Q2 2026, above 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 Primghar reported 3.81% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 6.59% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $451K |
| Total interest expense | $169K |
| Interest expense on deposits | $153K |
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 | 3.99% | 1.45% | 2.68% | 5.17% | 1.90% |
| Q4 2023 | 4.14% | 1.76% | 2.51% | 5.44% | 1.76% |
| Q1 2024 | 4.40% | 2.03% | 2.63% | 5.61% | 2.03% |
| Q2 2024 | 4.50% | 1.88% | 2.76% | 5.71% | 2.22% |
| Q3 2024 | 4.70% | 2.02% | 2.87% | 6.03% | 2.19% |
| Q4 2024 | 4.68% | 2.30% | 2.57% | 5.98% | 2.18% |
| Q1 2025 | 4.97% | 2.50% | 2.66% | 6.24% | 2.28% |
| Q2 2025 | 5.15% | 2.45% | 2.95% | 6.40% | 2.19% |
| Q3 2025 | 5.31% | 2.24% | 3.27% | 6.51% | 2.27% |
| Q4 2025 | 5.11% | 1.89% | 3.28% | 6.48% | 1.87% |
| Q1 2026 | 5.45% | 2.17% | 3.51% | 6.45% | 2.39% |
| Q2 2026 | 5.70% | 2.12% | 3.81% | 6.59% | 2.61% |
The First National Bank of Primghar 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 Primghar, 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 Primghar profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4494) · FFIEC NIC profile (RSSD 343248)