The First National Bank of Scott City: 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.
Cost of borrowings climbed 1.19 percentage points in Q2 2026, from 2.22% to 3.41%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The First National Bank of Scott City is 40th of 182 on net interest margin, 4.45% as of Q2 2026, above the middle of the field. The First National Bank of Scott City reported 4.45% on net interest margin for Q2 2026, 0.50 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.96% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $586K |
| Interest expense on deposits | $555K |
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 | 4.97% | 1.43% | 3.66% | 6.66% | 2.12% |
| Q4 2023 | 5.13% | 1.69% | 3.60% | 6.79% | 2.13% |
| Q1 2024 | 5.22% | 1.63% | 3.77% | 6.86% | 2.29% |
| Q2 2024 | 5.44% | 1.76% | 3.85% | 6.97% | 2.36% |
| Q3 2024 | 5.61% | 1.85% | 3.93% | 7.13% | 2.38% |
| Q4 2024 | 5.63% | 1.84% | 3.95% | 7.09% | 2.39% |
| Q1 2025 | 5.59% | 1.70% | 4.06% | 6.94% | 2.40% |
| Q2 2025 | 5.80% | 1.77% | 4.22% | 7.21% | 2.44% |
| Q3 2025 | 5.96% | 1.78% | 4.36% | 7.30% | 2.49% |
| Q4 2025 | 5.93% | 1.70% | 4.39% | 7.09% | 2.55% |
| Q1 2026 | 5.75% | 1.53% | 4.37% | 6.93% | 2.55% |
| Q2 2026 | 5.87% | 1.58% | 4.45% | 6.96% | 2.59% |
The First National Bank of Scott City 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 Scott City, 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 Scott City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4769) · FFIEC NIC profile (RSSD 414652)