First State Bank of Porter: 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.
In Q2 2026, Yield on securities edged down by 0.06 percentage points, from 3.20% to 3.14%, the largest move among the key lines here. Within Indiana, First State Bank of Porter is 57th of 87 on net interest margin, 3.48% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First State Bank of Porter sits 0.47 points lower, at 3.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | 6.19% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $467K |
| Interest expense on deposits | $467K |
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 | 4.21% | 1.05% | 3.29% | 5.31% | 2.92% |
| Q4 2023 | 4.32% | 1.20% | 3.26% | 5.42% | 3.03% |
| Q1 2024 | 4.39% | 1.31% | 3.24% | 5.54% | 3.06% |
| Q2 2024 | 4.41% | 1.47% | 3.11% | 5.59% | 3.05% |
| Q3 2024 | 4.51% | 1.58% | 3.11% | 5.80% | 3.02% |
| Q4 2024 | 4.60% | 1.57% | 3.20% | 5.95% | 3.07% |
| Q1 2025 | 4.57% | 1.50% | 3.24% | 5.94% | 3.10% |
| Q2 2025 | 4.69% | 1.48% | 3.40% | 6.15% | 3.16% |
| Q3 2025 | 4.77% | 1.45% | 3.50% | 6.29% | 3.21% |
| Q4 2025 | 4.82% | 1.45% | 3.55% | 6.30% | 3.26% |
| Q1 2026 | 4.73% | 1.42% | 3.50% | 6.21% | 3.20% |
| Q2 2026 | 4.68% | 1.39% | 3.48% | 6.19% | 3.14% |
First State Bank of Porter 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 Porter, 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 Porter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12836) · FFIEC NIC profile (RSSD 87047)