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 0.23 percentage points from Q1 2026 to Q2 2026, ending at 4.53% against 4.30%. It was the largest change among the key lines on this page. Within Texas, First State Bank is 107th of 345 on net interest margin, 4.53% 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 0.59 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 7.03% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.20% | 1.29% | 2.99% | 5.56% | 1.18% |
| Q4 2023 | 4.46% | 1.45% | 3.11% | 5.83% | 1.18% |
| Q1 2024 | 4.64% | 1.62% | 3.13% | 5.95% | 1.21% |
| Q2 2024 | 5.55% | 1.60% | 4.05% | 7.13% | 1.23% |
| Q3 2024 | 4.98% | 1.50% | 3.59% | 6.31% | 1.20% |
| Q4 2024 | 5.21% | 1.39% | 3.94% | 6.62% | 1.24% |
| Q1 2025 | 5.17% | 1.32% | 3.94% | 6.44% | 1.73% |
| Q2 2025 | 5.32% | 1.25% | 4.16% | 6.55% | 1.72% |
| Q3 2025 | 5.44% | 1.27% | 4.28% | 6.71% | 1.98% |
| Q4 2025 | 5.69% | 1.21% | 4.60% | 7.08% | 2.15% |
| Q1 2026 | 5.41% | 1.21% | 4.30% | 6.83% | 2.59% |
| Q2 2026 | 5.61% | 1.18% | 4.53% | 7.03% | 2.91% |
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 15206) · FFIEC NIC profile (RSSD 264455)