First Whitney Bank and 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.
The standout move of Q2 2026 was in Cost of borrowings: 5.53 percentage points lower than in Q1 2026, at 4.00%. First Whitney Bank and Trust ranks 174th of 225 Iowa banks on net interest margin, in the lower half at 3.18% (Q2 2026). First Whitney Bank and Trust reported 3.18% on net interest margin for Q2 2026, 0.77 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 6.08% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.31% | 2.01% | 2.43% | 6.14% | 2.31% |
| Q4 2023 | 4.32% | 1.96% | 2.46% | 5.97% | 2.25% |
| Q1 2024 | 4.63% | 2.41% | 2.37% | 6.40% | 2.31% |
| Q2 2024 | 4.49% | 2.31% | 2.37% | 5.96% | 2.38% |
| Q3 2024 | 4.78% | 2.45% | 2.44% | 6.67% | 2.37% |
| Q4 2024 | 4.24% | 1.87% | 2.61% | 5.42% | 2.44% |
| Q1 2025 | 4.46% | 2.09% | 2.55% | 5.94% | 2.53% |
| Q2 2025 | 4.69% | 2.10% | 2.76% | 6.29% | 2.71% |
| Q3 2025 | 4.81% | 2.11% | 2.90% | 6.45% | 2.87% |
| Q4 2025 | 4.88% | 2.02% | 3.07% | 6.36% | 2.97% |
| Q1 2026 | 4.85% | 1.96% | 3.07% | 6.21% | 3.10% |
| Q2 2026 | 4.82% | 1.81% | 3.18% | 6.08% | 3.17% |
First Whitney Bank and 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 Whitney Bank and 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 Whitney Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 254) · FFIEC NIC profile (RSSD 740249)