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 15.1% in Q2 2026, from $1.5M to $1.8M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, First State Bank is 68th of 119 on net interest margin, 3.91% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; First State Bank reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.67% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 5.22% | 1.36% | 3.97% | 6.38% | 1.96% |
| Q4 2023 | 5.40% | 1.62% | 3.91% | 6.54% | 1.97% |
| Q1 2024 | 5.57% | 1.78% | 3.94% | 6.69% | 1.97% |
| Q2 2024 | 5.82% | 1.97% | 4.02% | 6.97% | 1.97% |
| Q3 2024 | 6.05% | 2.04% | 4.20% | 7.12% | 1.98% |
| Q4 2024 | 6.19% | 2.05% | 4.34% | 7.26% | 1.98% |
| Q1 2025 | 6.20% | 2.04% | 4.34% | 7.24% | 1.96% |
| Q2 2025 | 6.19% | 1.95% | 4.42% | 7.19% | 1.98% |
| Q3 2025 | 6.11% | 1.95% | 4.36% | 7.07% | 1.97% |
| Q4 2025 | 6.16% | 1.95% | 4.39% | 7.09% | 1.99% |
| Q1 2026 | 5.89% | 1.85% | 4.20% | 6.89% | 2.05% |
| Q2 2026 | 5.69% | 1.95% | 3.91% | 6.67% | 2.29% |
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 12149) · FFIEC NIC profile (RSSD 565143)