First National Bank of Spearville: 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 standout move of Q2 2026 was in Cost of borrowings: 12.95 percentage points higher than in Q1 2026, at 16.67%. First National Bank of Spearville ranks 111th of 182 Kansas banks on net interest margin, in the lower half at 3.82% (Q2 2026). At 3.82%, First National Bank of Spearville's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.94% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 16.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $555K |
| Total interest expense | $214K |
| Interest expense on deposits | $213K |
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 | 4.62% | 1.40% | 3.30% | 6.36% | 1.52% |
| Q4 2023 | 4.87% | 1.68% | 3.25% | 6.65% | 1.52% |
| Q1 2024 | 5.23% | 2.06% | 3.36% | 6.83% | 1.62% |
| Q2 2024 | 5.44% | 2.19% | 3.35% | 7.09% | 1.75% |
| Q3 2024 | 5.50% | 2.23% | 3.41% | 7.31% | 1.65% |
| Q4 2024 | 5.24% | 1.88% | 3.45% | 7.28% | 1.80% |
| Q1 2025 | 5.34% | 1.89% | 3.46% | 6.90% | 2.11% |
| Q2 2025 | 5.46% | 1.89% | 3.66% | 7.10% | 2.37% |
| Q3 2025 | 5.60% | 1.78% | 3.93% | 7.23% | 2.57% |
| Q4 2025 | 5.27% | 1.53% | 3.77% | 7.18% | 2.98% |
| Q1 2026 | 5.62% | 1.54% | 4.06% | 6.95% | 2.83% |
| Q2 2026 | 5.38% | 1.75% | 3.82% | 6.94% | 2.79% |
First National Bank of Spearville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Spearville, 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 First National Bank of Spearville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4774) · FFIEC NIC profile (RSSD 197254)