The First National Bank of Tom Bean: 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 Yield on securities: 1.08 percentage points higher than in Q1 2026, at 6.49%. Among 345 Texas banks, The First National Bank of Tom Bean sits 14th from the top on net interest margin, 5.64% as of Q2 2026. The First National Bank of Tom Bean reported 5.64% on net interest margin for Q2 2026, 1.69 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.61% |
| Yield on loans | 8.15% |
| Yield on securities | 6.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.64% |
| Yield to cost spread | 4.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $717K |
| Interest expense on deposits | $710K |
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 | 7.04% | 2.08% | 5.08% | 7.36% | 3.96% |
| Q4 2023 | 7.03% | 2.41% | 4.80% | 7.51% | 1.96% |
| Q1 2024 | 7.46% | 2.56% | 5.04% | 7.72% | 4.60% |
| Q2 2024 | 7.52% | 2.79% | 4.94% | 8.03% | 3.29% |
| Q3 2024 | 7.54% | 2.89% | 4.88% | 8.20% | 3.26% |
| Q4 2024 | 7.43% | 2.76% | 4.88% | 8.29% | 4.45% |
| Q1 2025 | 7.75% | 2.56% | 5.40% | 8.40% | 6.73% |
| Q2 2025 | 7.61% | 2.43% | 5.37% | 8.18% | 5.36% |
| Q3 2025 | 7.72% | 2.47% | 5.46% | 8.39% | 4.27% |
| Q4 2025 | 8.53% | 2.45% | 6.29% | 9.27% | 6.64% |
| Q1 2026 | 7.59% | 2.39% | 5.38% | 8.03% | 5.41% |
| Q2 2026 | 7.61% | 2.16% | 5.64% | 8.15% | 6.49% |
The First National Bank of Tom Bean 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 Tom Bean, 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 Tom Bean profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5557) · FFIEC NIC profile (RSSD 193162)