The First National Bank of Sycamore: 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: Cost of interest-bearing deposits edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 1.81%. The First National Bank of Sycamore ranks 84th of 156 Ohio banks on net interest margin, in the lower half at 3.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Sycamore sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 6.26% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $893K |
| Interest expense on deposits | $806K |
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 | 4.25% | 1.39% | 2.94% | 5.35% | 2.60% |
| Q4 2023 | 4.39% | 1.68% | 2.81% | 5.52% | 2.59% |
| Q1 2024 | 4.51% | 1.83% | 2.79% | 5.63% | 2.50% |
| Q2 2024 | 4.60% | 1.64% | 3.06% | 5.77% | 2.54% |
| Q3 2024 | 4.77% | 1.57% | 3.30% | 5.94% | 2.61% |
| Q4 2024 | 4.78% | 1.60% | 3.29% | 5.99% | 2.66% |
| Q1 2025 | 4.73% | 1.65% | 3.19% | 5.92% | 2.81% |
| Q2 2025 | 4.89% | 1.70% | 3.29% | 6.06% | 3.09% |
| Q3 2025 | 5.01% | 1.78% | 3.35% | 6.22% | 3.08% |
| Q4 2025 | 5.06% | 1.65% | 3.54% | 6.26% | 3.07% |
| Q1 2026 | 5.08% | 1.58% | 3.60% | 6.18% | 3.03% |
| Q2 2026 | 5.16% | 1.65% | 3.64% | 6.26% | 3.05% |
The First National Bank of Sycamore 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 Sycamore, 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 Sycamore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6706) · FFIEC NIC profile (RSSD 553926)