First National Community 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.
Cost of borrowings climbed 1.27 percentage points in Q2 2026, from 0.00% to 1.27%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, First National Community Bank is 20th of 153 on net interest margin, 4.44% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Community Bank sits 0.49 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 7.06% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 1.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.35% | 1.50% | 2.91% | 5.67% | 1.98% |
| Q4 2023 | 4.55% | 1.58% | 3.04% | 5.92% | 2.00% |
| Q1 2024 | 4.51% | 1.79% | 2.80% | 5.78% | 2.02% |
| Q2 2024 | 4.65% | 1.70% | 3.03% | 6.02% | 1.97% |
| Q3 2024 | 4.60% | 1.82% | 2.85% | 5.91% | 1.98% |
| Q4 2024 | 4.66% | 1.83% | 2.93% | 5.98% | 2.09% |
| Q1 2025 | 4.89% | 1.94% | 3.00% | 6.18% | 2.23% |
| Q2 2025 | 5.22% | 1.79% | 3.52% | 6.64% | 2.28% |
| Q3 2025 | 5.23% | 1.70% | 3.64% | 6.68% | 2.18% |
| Q4 2025 | 5.32% | 1.68% | 3.77% | 6.51% | 2.53% |
| Q1 2026 | 5.44% | 1.67% | 3.90% | 6.44% | 3.10% |
| Q2 2026 | 5.86% | 1.58% | 4.44% | 7.06% | 3.00% |
First National Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5357) · FFIEC NIC profile (RSSD 23755)