First National Trust Company: 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.
First National Trust Company reported little change from Q1 2026 to Q2 2026. Yield on earning assets showed the biggest shift, 0.77% to 0.77%. First National Trust Company's net interest margin of 0.77% is well below the 3.89% median for banks in the < $100M asset tier, a gap of 3.12 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 0.77% |
| Yield on loans | — |
| Yield on securities | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 0.77% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 | Net interest margin |
|---|---|---|
| Q3 2023 | 1.23% | 1.23% |
| Q4 2023 | 1.27% | 1.27% |
| Q1 2024 | 1.22% | 1.22% |
| Q2 2024 | 1.26% | 1.26% |
| Q3 2024 | 1.14% | 1.14% |
| Q4 2024 | 0.95% | 0.95% |
| Q1 2025 | 0.81% | 0.81% |
| Q2 2025 | 0.81% | 0.81% |
| Q3 2025 | 0.80% | 0.80% |
| Q4 2025 | 0.82% | 0.82% |
| Q1 2026 | 0.77% | 0.77% |
| Q2 2026 | 0.77% | 0.77% |
First National Trust Company 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 Trust Company, 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 Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3229875)