First Sentinel 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, Total interest expense fell 3.8% in Q2 2026 to $1.8M, the biggest move on this page. Within Virginia, First Sentinel Bank is 21st of 56 on net interest margin, 4.16% as of Q2 2026. First Sentinel Bank reported 4.16% on net interest margin for Q2 2026, 0.22 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 6.43% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 3.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 5.64% | 2.19% | 3.52% | 5.67% | 3.69% |
| Q4 2023 | 5.83% | 2.33% | 3.61% | 5.90% | 3.71% |
| Q1 2024 | 5.91% | 2.42% | 3.58% | 5.99% | 3.89% |
| Q2 2024 | 6.10% | 2.55% | 3.65% | 6.20% | 3.62% |
| Q3 2024 | 6.29% | 2.69% | 3.72% | 6.42% | 3.68% |
| Q4 2024 | 6.30% | 2.50% | 3.92% | 6.53% | 3.63% |
| Q1 2025 | 6.26% | 2.34% | 4.02% | 6.49% | 3.41% |
| Q2 2025 | 6.31% | 2.30% | 4.11% | 6.55% | 3.30% |
| Q3 2025 | 6.36% | 2.30% | 4.16% | 6.60% | 3.32% |
| Q4 2025 | 6.26% | 2.29% | 4.06% | 6.57% | 3.34% |
| Q1 2026 | 6.00% | 2.07% | 4.01% | 6.38% | 3.12% |
| Q2 2026 | 6.11% | 2.03% | 4.16% | 6.43% | 3.39% |
First Sentinel 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 Sentinel 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 Sentinel Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31928) · FFIEC NIC profile (RSSD 920975)