FNB 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 4.08% to 4.19%, the largest move among the key lines here. Within Iowa, FNB Bank is 24th of 225 on net interest margin, 4.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. FNB Bank sits 0.25 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 5.93% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $966K |
| Interest expense on deposits | $821K |
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 | 4.56% | 1.69% | 3.06% | 5.24% | 1.76% |
| Q4 2023 | 4.73% | 1.87% | 3.07% | 5.39% | 1.81% |
| Q1 2024 | 4.80% | 1.91% | 3.11% | 5.43% | 1.92% |
| Q2 2024 | 5.00% | 2.01% | 3.21% | 5.66% | 1.95% |
| Q3 2024 | 5.15% | 1.89% | 3.48% | 5.80% | 2.06% |
| Q4 2024 | 5.13% | 1.87% | 3.48% | 5.79% | 2.18% |
| Q1 2025 | 5.23% | 1.73% | 3.70% | 5.86% | 2.27% |
| Q2 2025 | 5.38% | 1.64% | 3.91% | 5.87% | 2.79% |
| Q3 2025 | 5.56% | 1.73% | 4.04% | 5.99% | 3.38% |
| Q4 2025 | 5.59% | 1.79% | 4.03% | 5.91% | 3.89% |
| Q1 2026 | 5.55% | 1.69% | 4.08% | 5.86% | 4.00% |
| Q2 2026 | 5.63% | 1.65% | 4.19% | 5.93% | 3.78% |
FNB 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 FNB 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 FNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 954) · FFIEC NIC profile (RSSD 617743)