First Naturalstate 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.
Compared with Q1 2026, Yield on securities fell 0.43 percentage points in Q2 2026 to 2.90%, the biggest move on this page. Within Arkansas, First Naturalstate Bank is 36th of 78 on net interest margin, 4.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Naturalstate Bank sits 0.17 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 6.80% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 3.14% |
| Cost of interest-bearing liabilities | 3.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $494K |
| Interest expense on deposits | $485K |
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 | 5.56% | 2.01% | 3.75% | 6.49% | 1.97% |
| Q4 2023 | 5.28% | 1.46% | 3.98% | 6.20% | 1.98% |
| Q1 2024 | 5.52% | 1.98% | 3.78% | 6.54% | 2.21% |
| Q2 2024 | 5.70% | 2.14% | 3.73% | 6.98% | 2.81% |
| Q3 2024 | 6.27% | 2.39% | 4.05% | 7.17% | 3.37% |
| Q4 2024 | 5.90% | 2.42% | 3.81% | 6.76% | 3.29% |
| Q1 2025 | 5.91% | 2.22% | 3.89% | 6.85% | 3.57% |
| Q2 2025 | 6.48% | 2.27% | 4.24% | 7.65% | 3.54% |
| Q3 2025 | 6.02% | 2.23% | 4.01% | 6.94% | 3.45% |
| Q4 2025 | 6.35% | 2.22% | 4.38% | 7.46% | 2.97% |
| Q1 2026 | 5.94% | 2.10% | 4.12% | 6.58% | 3.33% |
| Q2 2026 | 6.07% | 2.23% | 4.11% | 6.80% | 2.90% |
First Naturalstate 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 Naturalstate 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 Naturalstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21379) · FFIEC NIC profile (RSSD 78241)