First United Bank & Trust: 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 dropped 2.50 percentage points in Q2 2026, from 3.15% to 0.65%. It was the largest change from Q1 2026 among the key lines here. First United Bank & Trust ranks 9th of 27 Maryland banks on net interest margin, in the upper half at 4.02% (Q2 2026). First United Bank & Trust reported 4.02% on net interest margin for Q2 2026, 0.31 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.15% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 0.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.8M |
| Total interest expense | $7.1M |
| Interest expense on deposits | $7.1M |
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 | 4.62% | 1.33% | 3.13% | 5.30% | 1.79% |
| Q4 2023 | 4.81% | 1.56% | 3.15% | 5.52% | 1.77% |
| Q1 2024 | 4.81% | 1.57% | 3.11% | 5.46% | 1.87% |
| Q2 2024 | 5.13% | 1.52% | 3.46% | 5.72% | 1.99% |
| Q3 2024 | 5.22% | 1.58% | 3.50% | 5.87% | 1.95% |
| Q4 2024 | 5.22% | 1.56% | 3.54% | 5.87% | 2.03% |
| Q1 2025 | 5.23% | 1.51% | 3.55% | 5.87% | 2.14% |
| Q2 2025 | 5.35% | 1.54% | 3.67% | 5.99% | 2.16% |
| Q3 2025 | 5.45% | 1.56% | 3.75% | 6.14% | 2.22% |
| Q4 2025 | 5.47% | 1.51% | 3.84% | 6.16% | 2.28% |
| Q1 2026 | 5.28% | 1.38% | 3.78% | 6.00% | 2.34% |
| Q2 2026 | 5.54% | 1.38% | 4.02% | 6.15% | 2.38% |
First United Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4857) · FFIEC NIC profile (RSSD 61122)