The First National Bank of Williamson: 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 Net interest margin, which rose 0.34 percentage points to 3.80%. The First National Bank of Williamson ranks 27th of 41 West Virginia banks on net interest margin, in the lower half at 3.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Williamson sits 0.15 points lower, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 2.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $410K |
| Interest expense on deposits | $404K |
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 |
|---|---|---|---|
| Q3 2023 | 4.63% | 2.24% | 2.58% |
| Q4 2023 | 4.75% | 2.67% | 2.32% |
| Q1 2024 | 4.71% | 2.85% | 2.06% |
| Q2 2024 | 4.80% | 2.90% | 2.11% |
| Q3 2024 | 4.84% | 2.91% | 2.22% |
| Q4 2024 | 5.08% | 2.97% | 2.31% |
| Q1 2025 | 4.71% | 2.66% | 2.23% |
| Q2 2025 | 5.12% | 2.41% | 2.90% |
| Q3 2025 | 5.25% | 2.32% | 3.11% |
| Q4 2025 | 5.07% | 2.13% | 3.34% |
| Q1 2026 | 4.97% | 1.88% | 3.46% |
| Q2 2026 | 5.22% | 1.79% | 3.80% |
The First National Bank of Williamson 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 Williamson, 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 Williamson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6805) · FFIEC NIC profile (RSSD 917630)