First United Bank and Trust Company, Inc.: 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.
Compared with Q1 2026, Total interest expense fell 5.6% in Q2 2026 to $2.5M, the biggest move on this page. Within Kentucky, First United Bank and Trust Company, Inc. is 61st of 119 on net interest margin, 3.97% as of Q2 2026, below the middle of the field. At 3.97%, First United Bank and Trust Company, Inc.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 7.01% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 6.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.3M |
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 | 5.16% | 2.36% | 2.99% | 6.39% | 2.23% |
| Q4 2023 | 5.25% | 2.50% | 2.98% | 6.49% | 2.40% |
| Q1 2024 | 5.26% | 2.67% | 2.86% | 6.45% | 2.54% |
| Q2 2024 | 5.39% | 2.28% | 2.96% | 6.62% | 2.48% |
| Q3 2024 | 5.55% | 2.32% | 3.07% | 6.82% | 2.49% |
| Q4 2024 | 5.55% | 2.17% | 3.22% | 6.85% | 2.50% |
| Q1 2025 | 5.42% | 2.02% | 3.25% | 6.72% | 2.43% |
| Q2 2025 | 5.60% | 1.95% | 3.48% | 6.90% | 2.46% |
| Q3 2025 | 5.68% | 1.72% | 3.60% | 7.00% | 2.51% |
| Q4 2025 | 5.69% | 1.82% | 3.74% | 7.00% | 2.54% |
| Q1 2026 | 5.52% | 1.70% | 3.71% | 6.81% | 2.57% |
| Q2 2026 | 5.71% | 1.63% | 3.97% | 7.01% | 2.63% |
First United Bank and Trust Company, Inc. 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 and Trust Company, Inc., 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 and Trust Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34150) · FFIEC NIC profile (RSSD 2356091)