First State 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.22 percentage points to 3.75%. Within Arkansas, First State Bank is 59th of 78 on net interest margin, 3.75% as of Q2 2026. First State Bank reported 3.75% on net interest margin for Q2 2026, 0.19 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.74% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 4.73% | 1.80% | 2.85% | 5.43% | 2.36% |
| Q4 2023 | 4.75% | 2.01% | 2.65% | 5.56% | 2.37% |
| Q1 2024 | 5.05% | 2.18% | 2.77% | 5.65% | 2.37% |
| Q2 2024 | 5.07% | 2.28% | 2.71% | 5.88% | 2.46% |
| Q3 2024 | 5.39% | 2.53% | 2.81% | 6.25% | 2.67% |
| Q4 2024 | 5.55% | 2.68% | 3.08% | 6.33% | 2.79% |
| Q1 2025 | 5.49% | 2.57% | 3.14% | 6.33% | 2.92% |
| Q2 2025 | 5.67% | 2.50% | 3.40% | 6.52% | 3.10% |
| Q3 2025 | 5.78% | 2.25% | 3.52% | 6.58% | 3.26% |
| Q4 2025 | 5.84% | 2.39% | 3.68% | 6.70% | 3.37% |
| Q1 2026 | 5.70% | 2.38% | 3.53% | 6.57% | 3.38% |
| Q2 2026 | 5.85% | 2.33% | 3.75% | 6.74% | 3.50% |
First State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15050) · FFIEC NIC profile (RSSD 10849)