The First National Bank of Stanton: 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.
Compared with Q2 2026, Net interest margin rose 0.23 percentage points in Q3 2026 to 4.34%, the biggest move on this page. Within Texas, The First National Bank of Stanton is 130th of 345 on net interest margin, 4.34% as of Q3 2026, above 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 Stanton sits 0.39 points higher, at 4.34% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 7.77% |
| Yield on securities | 3.94% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 1.36% |
| Cost of interest-bearing liabilities | 1.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $521K |
| Interest expense on deposits | $521K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.45% | 0.97% | 3.71% | 8.31% | 3.12% |
| Q1 2024 | 4.63% | 0.85% | 3.97% | 8.40% | 3.26% |
| Q2 2024 | 4.79% | 0.96% | 4.09% | 8.46% | 3.34% |
| Q3 2024 | 4.92% | 1.58% | 3.89% | 8.48% | 3.46% |
| Q4 2024 | 4.77% | 1.39% | 3.82% | 8.25% | 3.52% |
| Q1 2025 | 4.65% | 1.23% | 3.76% | 7.68% | 3.58% |
| Q2 2025 | 4.79% | 0.97% | 4.04% | 8.00% | 3.67% |
| Q3 2025 | 4.84% | 1.37% | 3.86% | 8.01% | 3.75% |
| Q4 2025 | 4.96% | 1.00% | 4.18% | 8.10% | 3.86% |
| Q1 2026 | 4.79% | 1.01% | 4.05% | 7.27% | 3.94% |
| Q2 2026 | 4.85% | 1.04% | 4.11% | 7.51% | 3.86% |
| Q3 2026 | 4.91% | 0.76% | 4.34% | 7.77% | 3.94% |
The First National Bank of Stanton 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 Stanton, 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 Stanton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5536) · FFIEC NIC profile (RSSD 458665)