The First National Bank of Quitaque: 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 loans edged up 0.24 percentage points between Q1 2026 and Q2 2026, to 8.14%. Within Texas, The First National Bank of Quitaque is 258th of 345 on net interest margin, 3.56% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Quitaque sits 0.39 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 8.14% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $677K |
| Interest expense on deposits | $677K |
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 | 6.49% | 1.70% | 4.85% | 8.50% | 3.78% |
| Q4 2023 | 6.71% | 2.00% | 4.86% | 8.77% | 4.50% |
| Q1 2024 | 6.46% | 2.39% | 4.18% | 8.60% | 4.66% |
| Q2 2024 | 6.79% | 2.44% | 4.47% | 8.68% | 4.66% |
| Q3 2024 | 7.11% | 2.48% | 4.80% | 8.99% | 4.79% |
| Q4 2024 | 6.61% | 2.33% | 4.42% | 8.46% | 4.67% |
| Q1 2025 | 6.20% | 2.16% | 4.18% | 8.20% | 4.64% |
| Q2 2025 | 6.14% | 2.09% | 4.17% | 8.27% | 4.54% |
| Q3 2025 | 6.23% | 2.12% | 4.25% | 8.55% | 4.53% |
| Q4 2025 | 5.90% | 2.07% | 3.97% | 8.28% | 4.34% |
| Q1 2026 | 5.29% | 1.89% | 3.52% | 7.90% | 4.06% |
| Q2 2026 | 5.25% | 1.83% | 3.56% | 8.14% | 4.04% |
The First National Bank of Quitaque 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 Quitaque, 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 Quitaque profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3401) · FFIEC NIC profile (RSSD 644963)