First National Bankers Bank: 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 3.28% against 3.11%. It was the largest change among the key lines on this page. Within Louisiana, First National Bankers Bank is 91st of 103 on net interest margin, 3.28% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bankers Bank sits 0.67 points lower, at 3.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.11% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 3.57% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 1.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $62K |
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 | 5.85% | 2.98% | 3.25% | 6.44% | 2.65% |
| Q4 2023 | 6.05% | 3.08% | 3.30% | 6.62% | 2.65% |
| Q1 2024 | 5.93% | 2.85% | 3.55% | 6.51% | 2.65% |
| Q2 2024 | 6.08% | 2.85% | 3.60% | 6.72% | 2.66% |
| Q3 2024 | 6.02% | 2.87% | 3.53% | 6.66% | 2.65% |
| Q4 2024 | 5.72% | 2.59% | 3.51% | 6.46% | 2.65% |
| Q1 2025 | 5.45% | 2.41% | 3.39% | 6.23% | 2.64% |
| Q2 2025 | 5.59% | 2.35% | 3.57% | 6.41% | 2.67% |
| Q3 2025 | 5.52% | 2.17% | 3.62% | 6.31% | 2.63% |
| Q4 2025 | 5.15% | 2.11% | 3.19% | 6.24% | 2.63% |
| Q1 2026 | 4.81% | 1.91% | 3.11% | 5.93% | 2.63% |
| Q2 2026 | 4.96% | 1.97% | 3.28% | 6.11% | 2.62% |
First National Bankers Bank 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 Bankers Bank, 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 Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25247) · FFIEC NIC profile (RSSD 734538)