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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.95% against 3.76%. It was the largest change among the key lines on this page. Within Texas, First State Bank is 206th of 345 on net interest margin, 3.95% as of Q3 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; First State Bank reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 7.27% |
| Yield on securities | 2.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 2.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.14% | 1.12% | 4.04% | 6.71% | 2.34% |
| Q4 2023 | 5.43% | 1.40% | 4.06% | 7.00% | 2.26% |
| Q1 2024 | 5.65% | 1.61% | 4.06% | 7.15% | 2.09% |
| Q2 2024 | 5.74% | 1.81% | 3.97% | 7.24% | 2.17% |
| Q3 2024 | 5.73% | 1.97% | 3.80% | 7.38% | 2.21% |
| Q4 2024 | 5.79% | 2.06% | 3.79% | 7.45% | 2.31% |
| Q1 2025 | 5.61% | 1.90% | 3.77% | 7.31% | 2.37% |
| Q2 2025 | 5.73% | 1.85% | 3.93% | 7.39% | 2.40% |
| Q3 2025 | 5.66% | 1.89% | 3.83% | 7.42% | 2.50% |
| Q4 2025 | 5.76% | 1.89% | 3.95% | 7.50% | 2.51% |
| Q1 2026 | 5.50% | 1.79% | 3.76% | 7.13% | 2.52% |
| Q2 2026 | 5.59% | 1.69% | 3.95% | 7.27% | 2.55% |
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 24498) · FFIEC NIC profile (RSSD 216164)