First National Bank USA: 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 Cost of borrowings: 3.94 percentage points higher than in Q1 2026, at 14.75%. First National Bank USA ranks 30th of 103 Louisiana banks on net interest margin, in the upper half at 4.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank USA sits 0.64 points higher, at 4.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.25% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | 14.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 4.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $520K |
| Interest expense on deposits | $512K |
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 | 5.64% | 0.79% | 4.87% |
| Q4 2023 | 5.83% | 0.93% | 4.98% |
| Q1 2024 | 5.73% | 0.95% | 4.85% |
| Q2 2024 | 5.75% | 1.14% | 4.76% |
| Q3 2024 | 5.97% | 1.19% | 4.91% |
| Q4 2024 | 5.85% | 1.30% | 4.71% |
| Q1 2025 | 5.62% | 1.09% | 4.66% |
| Q2 2025 | 5.77% | 1.08% | 4.80% |
| Q3 2025 | 5.83% | 1.11% | 4.85% |
| Q4 2025 | 5.76% | 1.14% | 4.76% |
| Q1 2026 | 5.55% | 1.03% | 4.64% |
| Q2 2026 | 5.47% | 1.00% | 4.59% |
First National Bank USA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank USA, 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 First National Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22046) · FFIEC NIC profile (RSSD 714839)