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 Net interest margin, which rose 0.27 percentage points to 4.89%. First State Bank ranks 57th of 345 Texas banks on net interest margin, in the upper half at 4.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First State Bank sits 0.95 points higher, at 4.89% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 8.27% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 3.09% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.89% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $704K |
| Interest expense on deposits | $704K |
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 | 7.84% | 2.38% | 5.76% | 9.53% | 3.02% |
| Q4 2023 | 8.16% | 2.49% | 5.94% | 9.81% | 3.20% |
| Q1 2024 | 7.73% | 2.70% | 5.32% | 9.68% | 3.47% |
| Q2 2024 | 9.94% | 2.62% | 7.66% | 12.97% | 3.58% |
| Q3 2024 | 8.34% | 2.63% | 6.07% | 9.94% | 3.90% |
| Q4 2024 | 8.13% | 2.43% | 6.03% | 9.56% | 3.48% |
| Q1 2025 | 7.29% | 2.41% | 5.21% | 8.83% | 3.75% |
| Q2 2025 | 7.59% | 2.40% | 5.43% | 9.36% | 3.78% |
| Q3 2025 | 7.98% | 2.49% | 5.73% | 10.11% | 3.99% |
| Q4 2025 | 7.85% | 2.39% | 5.51% | 10.29% | 3.90% |
| Q1 2026 | 6.63% | 2.31% | 4.62% | 8.14% | 3.80% |
| Q2 2026 | 6.85% | 2.22% | 4.89% | 8.27% | 3.89% |
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 18301) · FFIEC NIC profile (RSSD 524766)