First Northern Bank and 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 4.20%. First Northern Bank and Trust Company ranks 16th of 109 Pennsylvania banks on net interest margin, in the upper half at 4.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Northern Bank and Trust Company sits 0.25 points higher, at 4.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.84% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 4.70% | 1.31% | 3.54% | 5.12% | 3.81% |
| Q4 2023 | 5.07% | 1.57% | 3.67% | 5.40% | 3.90% |
| Q1 2024 | 4.93% | 1.37% | 3.70% | 5.37% | 3.91% |
| Q2 2024 | 5.11% | 1.34% | 3.91% | 5.57% | 4.00% |
| Q3 2024 | 5.12% | 1.44% | 3.84% | 5.69% | 4.04% |
| Q4 2024 | 5.36% | 1.44% | 4.08% | 5.90% | 4.21% |
| Q1 2025 | 5.11% | 1.27% | 3.98% | 5.67% | 4.21% |
| Q2 2025 | 5.30% | 1.24% | 4.19% | 5.80% | 4.22% |
| Q3 2025 | 5.36% | 1.34% | 4.19% | 5.96% | 4.38% |
| Q4 2025 | 5.31% | 1.38% | 4.09% | 5.83% | 4.33% |
| Q1 2026 | 5.16% | 1.23% | 4.10% | 5.64% | 4.33% |
| Q2 2026 | 5.29% | 1.24% | 4.20% | 5.84% | 4.34% |
First Northern Bank and 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 Northern Bank and 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 Northern Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7675) · FFIEC NIC profile (RSSD 186717)