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 standout move of Q2 2026 was in Total interest expense: 96.8% lower than in Q1 2026, at $100K. Within Arkansas, First State Bank is 62nd of 78 on net interest margin, 3.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First State Bank sits 0.21 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.31% |
| Yield on securities | 5.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.07% |
| Cost of interest-bearing deposits | 0.10% |
| Cost of interest-bearing liabilities | 0.09% |
| Cost of borrowings | -0.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 5.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | -$244K |
| Total interest expense | $100K |
| Interest expense on deposits | $102K |
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 | 5.16% | 2.09% | 3.24% | 6.08% | 2.04% |
| Q4 2023 | 5.35% | 2.26% | 3.29% | 6.30% | 2.08% |
| Q1 2024 | 5.42% | 2.36% | 3.23% | 6.36% | 2.16% |
| Q2 2024 | 5.64% | 2.50% | 3.31% | 6.58% | 2.25% |
| Q3 2024 | 5.82% | 2.67% | 3.35% | 6.76% | 2.33% |
| Q4 2024 | 5.81% | 2.64% | 3.37% | 6.84% | 2.40% |
| Q1 2025 | 5.64% | 2.49% | 3.31% | 6.61% | 2.61% |
| Q2 2025 | 5.72% | 2.45% | 3.45% | 6.70% | 2.83% |
| Q3 2025 | 5.91% | 2.44% | 3.68% | 6.86% | 2.97% |
| Q4 2025 | 5.93% | 2.38% | 3.75% | 6.87% | 3.03% |
| Q1 2026 | 5.81% | 2.27% | 3.72% | 6.65% | 3.10% |
| Q2 2026 | 5.85% | 0.07% | 3.73% | 6.31% | 5.07% |
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 13632) · FFIEC NIC profile (RSSD 114840)