FirstBank Southwest: 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 2.54 percentage points in Q2 2026, from 3.41% to 5.95%. It was the largest change from Q1 2026 among the key lines here. Within Texas, FirstBank Southwest is 218th of 345 on net interest margin, 3.84% 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. FirstBank Southwest sits 0.13 points higher, at 3.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 7.01% |
| Yield on securities | 1.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 5.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.5M |
| Total interest expense | $9.2M |
| Interest expense on deposits | $9.1M |
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 | 5.53% | 2.75% | 3.00% | 6.95% | 1.63% |
| Q4 2023 | 5.78% | 2.86% | 3.16% | 7.20% | 1.55% |
| Q1 2024 | 5.83% | 2.87% | 3.21% | 7.20% | 1.68% |
| Q2 2024 | 6.11% | 2.99% | 3.37% | 7.42% | 1.67% |
| Q3 2024 | 6.12% | 3.02% | 3.36% | 7.47% | 1.66% |
| Q4 2024 | 6.19% | 2.91% | 3.54% | 7.48% | 1.68% |
| Q1 2025 | 5.93% | 2.65% | 3.49% | 7.22% | 1.65% |
| Q2 2025 | 6.01% | 2.68% | 3.56% | 7.24% | 1.68% |
| Q3 2025 | 6.06% | 2.63% | 3.65% | 7.36% | 1.72% |
| Q4 2025 | 6.03% | 2.43% | 3.82% | 7.24% | 1.72% |
| Q1 2026 | 5.77% | 2.22% | 3.74% | 6.94% | 1.69% |
| Q2 2026 | 5.84% | 2.25% | 3.84% | 7.01% | 1.73% |
FirstBank Southwest yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank Southwest, 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 FirstBank Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3387) · FFIEC NIC profile (RSSD 840363)