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.
Yield on loans fell 0.44 percentage points from Q1 2026 to Q2 2026, ending at 6.64% against 7.08%. It was the largest change among the key lines on this page. Within Kansas, FNB Bank is 50th of 182 on net interest margin, 4.33% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. FNB Bank sits 0.39 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 6.64% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 2.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $876K |
| Interest expense on deposits | $804K |
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 | 5.11% | 1.35% | 3.84% | 6.52% | 2.41% |
| Q4 2023 | 5.29% | 1.40% | 3.99% | 6.66% | 2.43% |
| Q1 2024 | 5.34% | 1.52% | 3.92% | 6.71% | 2.53% |
| Q2 2024 | 5.28% | 1.73% | 3.66% | 6.59% | 2.38% |
| Q3 2024 | 5.68% | 1.86% | 3.95% | 7.10% | 2.41% |
| Q4 2024 | 5.85% | 1.48% | 4.49% | 7.22% | 2.51% |
| Q1 2025 | 5.60% | 1.46% | 4.23% | 6.79% | 2.54% |
| Q2 2025 | 5.74% | 1.57% | 4.29% | 6.88% | 2.49% |
| Q3 2025 | 5.78% | 1.66% | 4.25% | 6.86% | 2.46% |
| Q4 2025 | 5.53% | 1.47% | 4.17% | 6.49% | 2.62% |
| Q1 2026 | 5.80% | 1.33% | 4.53% | 7.08% | 2.99% |
| Q2 2026 | 5.61% | 1.37% | 4.33% | 6.64% | 3.34% |
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 14420) · FFIEC NIC profile (RSSD 805250)