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.
Total interest expense climbed 9.3% in Q2 2026, from $5.2M to $5.7M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, First State Bank is 118th of 156 on net interest margin, 3.17% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First State Bank sits 0.54 points lower, at 3.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 6.25% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.4M |
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 | 4.77% | 1.87% | 3.03% | 5.60% | 3.74% |
| Q4 2023 | 4.87% | 2.10% | 2.93% | 5.63% | 3.91% |
| Q1 2024 | 5.00% | 2.32% | 2.85% | 5.69% | 4.17% |
| Q2 2024 | 5.10% | 2.45% | 2.82% | 5.88% | 4.22% |
| Q3 2024 | 5.27% | 2.35% | 3.09% | 6.03% | 4.45% |
| Q4 2024 | 5.06% | 2.12% | 3.11% | 6.02% | 4.04% |
| Q1 2025 | 5.03% | 1.95% | 3.24% | 6.03% | 3.94% |
| Q2 2025 | 5.09% | 2.01% | 3.21% | 6.13% | 4.00% |
| Q3 2025 | 5.20% | 2.17% | 3.17% | 6.23% | 4.14% |
| Q4 2025 | 5.15% | 2.03% | 3.28% | 6.29% | 4.00% |
| Q1 2026 | 5.02% | 1.95% | 3.24% | 6.23% | 3.87% |
| Q2 2026 | 5.05% | 2.06% | 3.17% | 6.25% | 4.00% |
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 9437) · FFIEC NIC profile (RSSD 294023)