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.
The standout move of Q2 2026 was in Cost of borrowings: 1.09 percentage points lower than in Q1 2026, at 1.08%. Within West Virginia, FNB Bank, Inc. is 15th of 41 on net interest margin, 4.25% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. FNB Bank, Inc. sits 0.30 points higher, at 4.25% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 1.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $994K |
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 |
|---|---|---|---|
| Q3 2023 | 4.59% | 1.75% | 2.95% |
| Q4 2023 | 4.98% | 2.02% | 3.10% |
| Q1 2024 | 4.99% | 2.02% | 3.08% |
| Q2 2024 | 4.98% | 2.05% | 3.09% |
| Q3 2024 | 5.20% | 2.07% | 3.26% |
| Q4 2024 | 5.24% | 1.90% | 3.45% |
| Q1 2025 | 5.29% | 1.75% | 3.60% |
| Q2 2025 | 5.37% | 1.83% | 3.62% |
| Q3 2025 | 5.49% | 1.84% | 3.73% |
| Q4 2025 | 5.91% | 1.78% | 4.21% |
| Q1 2026 | 5.48% | 1.70% | 3.86% |
| Q2 2026 | 5.83% | 1.62% | 4.25% |
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 6794) · FFIEC NIC profile (RSSD 969639)