FNB Bank, Inc.: 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.
Total interest expense rose 3.8% from Q1 2026 to Q2 2026, ending at $3.6M against $3.5M. It was the largest change among the key lines on this page. FNB Bank, Inc. ranks 93rd of 119 Kentucky banks on net interest margin, in the lower half at 3.50% (Q2 2026). FNB Bank, Inc. reported 3.50% on net interest margin for Q2 2026, 0.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.46% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.6M |
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 | 5.12% | 1.66% | 3.52% | 5.96% | 2.76% |
| Q4 2023 | 5.19% | 1.92% | 3.32% | 6.00% | 2.80% |
| Q1 2024 | 5.19% | 2.08% | 3.16% | 6.01% | 2.72% |
| Q2 2024 | 5.31% | 2.24% | 3.15% | 6.14% | 2.82% |
| Q3 2024 | 5.33% | 2.33% | 3.15% | 6.34% | 2.57% |
| Q4 2024 | 5.35% | 2.23% | 3.24% | 6.36% | 2.60% |
| Q1 2025 | 5.29% | 2.12% | 3.28% | 6.28% | 2.62% |
| Q2 2025 | 5.38% | 2.13% | 3.38% | 6.41% | 2.68% |
| Q3 2025 | 5.54% | 2.21% | 3.46% | 6.60% | 2.77% |
| Q4 2025 | 5.52% | 2.14% | 3.52% | 6.55% | 2.85% |
| Q1 2026 | 5.36% | 2.03% | 3.45% | 6.38% | 2.88% |
| Q2 2026 | 5.42% | 2.05% | 3.50% | 6.46% | 3.08% |
FNB Bank, Inc. 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, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2759) · FFIEC NIC profile (RSSD 400141)