First State Bank of Dequeen: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.41%. On net interest margin, First State Bank of Dequeen is 8th from the bottom among 78 Arkansas banks, 3.41% (Q2 2026). First State Bank of Dequeen reported 3.41% on net interest margin for Q2 2026, 0.54 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 7.45% |
| Yield on securities | 4.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.05% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.4M |
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 | 5.51% | 2.16% | 3.50% | 6.43% | 2.46% |
| Q4 2023 | 5.67% | 2.48% | 3.34% | 6.65% | 2.56% |
| Q1 2024 | 5.78% | 2.75% | 3.20% | 6.78% | 3.31% |
| Q2 2024 | 5.94% | 3.01% | 3.13% | 7.04% | 3.54% |
| Q3 2024 | 6.09% | 3.32% | 2.95% | 7.17% | 4.02% |
| Q4 2024 | 6.31% | 3.45% | 3.03% | 7.65% | 4.18% |
| Q1 2025 | 6.15% | 3.19% | 3.11% | 7.43% | 4.06% |
| Q2 2025 | 6.31% | 3.27% | 3.22% | 7.61% | 4.25% |
| Q3 2025 | 6.51% | 3.30% | 3.40% | 7.85% | 4.66% |
| Q4 2025 | 6.33% | 3.26% | 3.29% | 7.63% | 4.46% |
| Q1 2026 | 6.20% | 3.08% | 3.31% | 7.45% | 4.57% |
| Q2 2026 | 6.25% | 3.05% | 3.41% | 7.45% | 4.62% |
First State Bank of Dequeen 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 of Dequeen, 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 of Dequeen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21805) · FFIEC NIC profile (RSSD 519146)