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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 2.6% to $6.0M. First State Bank ranks 184th of 345 Texas banks on net interest margin, in the lower half at 4.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First State Bank sits 0.36 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.8M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $6.0M |
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 |
|---|---|---|---|
| Q3 2023 | 4.41% | 1.72% | 2.74% |
| Q4 2023 | 4.56% | 1.92% | 2.71% |
| Q1 2024 | 4.63% | 1.96% | 2.72% |
| Q2 2024 | 4.69% | 1.91% | 2.84% |
| Q3 2024 | 4.81% | 1.91% | 2.99% |
| Q4 2024 | 4.70% | 1.78% | 2.99% |
| Q1 2025 | 4.74% | 1.68% | 3.11% |
| Q2 2025 | 4.92% | 1.65% | 3.33% |
| Q3 2025 | 5.35% | 1.60% | 3.82% |
| Q4 2025 | 5.55% | 1.57% | 4.05% |
| Q1 2026 | 5.41% | 1.48% | 3.98% |
| Q2 2026 | 5.46% | 1.45% | 4.07% |
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 15511) · FFIEC NIC profile (RSSD 435750)