First United 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.
Cost of borrowings climbed 981.23 percentage points in Q2 2026, from 58.77% to 1040.00%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First United Bank is 203rd of 345 on net interest margin, 3.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First United Bank sits 0.26 points higher, at 3.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | 1040.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.5M |
| Total interest expense | $10.3M |
| Interest expense on deposits | $9.9M |
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 |
|---|---|---|---|
| Q3 2023 | 5.18% | 1.94% | 2.92% |
| Q4 2023 | 5.27% | 2.04% | 2.91% |
| Q1 2024 | 5.39% | 2.04% | 3.00% |
| Q2 2024 | 5.63% | 2.13% | 3.18% |
| Q3 2024 | 5.68% | 2.15% | 3.21% |
| Q4 2024 | 5.62% | 1.99% | 3.32% |
| Q1 2025 | 5.62% | 1.81% | 3.50% |
| Q2 2025 | 5.74% | 1.73% | 3.70% |
| Q3 2025 | 5.87% | 1.66% | 3.90% |
| Q4 2025 | 5.83% | 1.61% | 3.92% |
| Q1 2026 | 5.63% | 1.51% | 3.84% |
| Q2 2026 | 5.70% | 1.47% | 3.97% |
First United 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 United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12769) · FFIEC NIC profile (RSSD 578255)