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 Cost of borrowings: 3.73 percentage points higher than in Q1 2026, at 5.58%. First State Bank ranks 161st of 345 Texas banks on net interest margin, in the upper half at 4.21% (Q2 2026). First State Bank reported 4.21% on net interest margin for Q2 2026, 0.27 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 7.02% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | 5.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $945K |
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 | 5.83% | 2.46% | 3.67% | 6.26% | 0.95% |
| Q4 2023 | 5.98% | 2.82% | 3.52% | 6.31% | 1.66% |
| Q1 2024 | 6.15% | 2.91% | 3.61% | 6.49% | 2.70% |
| Q2 2024 | 6.36% | 2.97% | 3.80% | 6.63% | 3.12% |
| Q3 2024 | 7.09% | 3.29% | 4.13% | 7.47% | 2.87% |
| Q4 2024 | 6.94% | 3.05% | 4.21% | 7.27% | 3.47% |
| Q1 2025 | 6.72% | 2.94% | 4.08% | 7.30% | 4.04% |
| Q2 2025 | 6.80% | 2.91% | 4.17% | 7.40% | 4.37% |
| Q3 2025 | 7.15% | 2.87% | 4.58% | 7.55% | 4.45% |
| Q4 2025 | 7.01% | 2.76% | 4.54% | 7.43% | 4.43% |
| Q1 2026 | 6.59% | 2.46% | 4.39% | 7.11% | 4.29% |
| Q2 2026 | 6.43% | 2.50% | 4.21% | 7.02% | 4.25% |
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 1218) · FFIEC NIC profile (RSSD 407168)