The First National Bank of Russell Springs: 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 0.36 percentage points from Q1 2026 to Q2 2026, ending at 3.72% against 3.36%. It was the largest change among the key lines on this page. Within Kentucky, The First National Bank of Russell Springs is 77th of 119 on net interest margin, 3.72% as of Q2 2026, below the middle of the field. The First National Bank of Russell Springs reported 3.72% on net interest margin for Q2 2026, 0.23 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 6.84% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 3.03% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 4.93% | 1.79% | 3.30% | 5.64% | 2.57% |
| Q4 2023 | 5.42% | 2.06% | 3.54% | 6.20% | 2.59% |
| Q1 2024 | 5.25% | 2.22% | 3.22% | 6.01% | 2.58% |
| Q2 2024 | 5.39% | 2.37% | 3.24% | 6.13% | 2.60% |
| Q3 2024 | 5.53% | 2.55% | 3.21% | 6.36% | 2.60% |
| Q4 2024 | 5.77% | 2.70% | 3.30% | 6.81% | 2.79% |
| Q1 2025 | 5.38% | 2.70% | 2.88% | 6.49% | 2.93% |
| Q2 2025 | 5.82% | 2.70% | 3.32% | 6.82% | 2.99% |
| Q3 2025 | 5.87% | 2.70% | 3.40% | 6.88% | 3.00% |
| Q4 2025 | 6.30% | 2.61% | 3.90% | 7.46% | 3.16% |
| Q1 2026 | 5.74% | 2.58% | 3.36% | 6.76% | 3.20% |
| Q2 2026 | 6.03% | 2.52% | 3.72% | 6.84% | 3.27% |
The First National Bank of Russell Springs 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 Russell Springs, 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 Russell Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2767) · FFIEC NIC profile (RSSD 173641)