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 Yield on loans: 1.13 percentage points higher than in Q1 2026, at 8.46%. First State Bank ranks 188th of 345 Texas banks on net interest margin, in the lower half at 4.06% (Q2 2026). First State Bank reported 4.06% on net interest margin for Q2 2026, 0.12 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 8.46% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $471K |
| Interest expense on deposits | $471K |
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 | 5.02% | 0.86% | 4.24% | 6.81% | 3.44% |
| Q4 2023 | 5.43% | 0.94% | 4.59% | 7.10% | 3.48% |
| Q1 2024 | 5.42% | 1.01% | 4.52% | 7.18% | 3.73% |
| Q2 2024 | 5.54% | 1.25% | 4.44% | 7.38% | 3.63% |
| Q3 2024 | 5.62% | 1.44% | 4.37% | 7.46% | 3.70% |
| Q4 2024 | 5.47% | 1.40% | 4.22% | 7.45% | 3.56% |
| Q1 2025 | 5.17% | 1.32% | 4.00% | 7.31% | 3.42% |
| Q2 2025 | 5.23% | 1.32% | 4.06% | 7.45% | 3.47% |
| Q3 2025 | 5.23% | 1.37% | 4.03% | 7.42% | 3.61% |
| Q4 2025 | 5.16% | 1.32% | 3.98% | 7.50% | 3.61% |
| Q1 2026 | 4.93% | 1.23% | 3.85% | 7.33% | 3.58% |
| Q2 2026 | 5.19% | 1.35% | 4.06% | 8.46% | 3.54% |
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 17775) · FFIEC NIC profile (RSSD 719964)