First Neighborhood Bank, Inc.: 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.
In Q1 2026, Cost of interest-bearing deposits edged down by 0.25 percentage points, from 2.29% to 2.04%, the largest move among the key lines here. First Neighborhood Bank, Inc. has the 3rd lowest net interest margin of the 41 banks headquartered in West Virginia, at 2.74% as of Q1 2026.
Asset yields
| Line item | Q1 2026 |
|---|---|
| Yield on earning assets | 3.98% |
| Yield on loans | 5.31% |
| Yield on securities | 1.71% |
Funding costs
| Line item | Q1 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q1 2026 |
|---|---|
| Net interest margin | 2.74% |
| Yield to cost spread | 1.94% |
Interest income and expense
| Line item | Q1 2026 |
|---|---|
| Interest income on loans | $992K |
| Total interest expense | $462K |
| Interest expense on deposits | $462K |
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 |
|---|---|---|---|---|---|
| Q2 2023 | 3.86% | 0.53% | 3.31% | 4.87% | 1.92% |
| Q3 2023 | 3.70% | 0.92% | 2.83% | 4.94% | 1.69% |
| Q4 2023 | 3.78% | 1.22% | 2.63% | 5.07% | 1.69% |
| Q1 2024 | 3.91% | 1.19% | 2.78% | 5.07% | 1.54% |
| Q2 2024 | 4.01% | 1.10% | 2.97% | 5.15% | 1.52% |
| Q3 2024 | 4.06% | 1.32% | 2.82% | 5.25% | 1.52% |
| Q4 2024 | 4.03% | 1.50% | 2.60% | 5.29% | 1.52% |
| Q1 2025 | 3.92% | 1.63% | 2.38% | 5.09% | 1.52% |
| Q2 2025 | 4.06% | 1.44% | 2.72% | 5.30% | 1.52% |
| Q3 2025 | 4.05% | 1.43% | 2.67% | 5.24% | 1.53% |
| Q4 2025 | 4.08% | 1.47% | 2.66% | 5.42% | 1.55% |
| Q1 2026 | 3.98% | 1.29% | 2.74% | 5.31% | 1.71% |
First Neighborhood Bank, Inc. 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 Neighborhood Bank, Inc., 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 Neighborhood Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6800) · FFIEC NIC profile (RSSD 911339)