The First National Bank of Trinity: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which fell 0.43 percentage points to 2.77%. The First National Bank of Trinity ranks 147th of 345 Texas banks on net interest margin, in the upper half at 4.26% (Q2 2026). The First National Bank of Trinity reported 4.26% on net interest margin for Q2 2026, 0.37 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 7.69% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $863K |
| Total interest expense | $217K |
| Interest expense on deposits | $217K |
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 | 4.58% | 0.95% | 3.65% | 7.13% | 2.11% |
| Q4 2023 | 4.89% | 1.29% | 3.65% | 7.43% | 2.35% |
| Q1 2024 | 4.97% | 1.24% | 3.73% | 7.29% | 2.49% |
| Q2 2024 | 4.93% | 1.37% | 3.61% | 7.45% | 2.37% |
| Q3 2024 | 4.86% | 1.33% | 3.58% | 7.45% | 2.34% |
| Q4 2024 | 4.96% | 1.18% | 3.86% | 7.41% | 2.44% |
| Q1 2025 | 4.94% | 1.33% | 3.68% | 7.43% | 2.54% |
| Q2 2025 | 5.07% | 1.06% | 4.07% | 7.62% | 2.43% |
| Q3 2025 | 5.15% | 1.09% | 4.10% | 7.65% | 2.61% |
| Q4 2025 | 5.06% | 0.95% | 4.14% | 7.52% | 2.39% |
| Q1 2026 | 5.17% | 0.97% | 4.22% | 7.28% | 3.20% |
| Q2 2026 | 5.24% | 1.03% | 4.26% | 7.69% | 2.77% |
The First National Bank of Trinity 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 Trinity, 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 Trinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5559) · FFIEC NIC profile (RSSD 479567)