FNB Washington: 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, Yield on securities edged up by 0.22 percentage points, from 2.79% to 3.01%, the largest move among the key lines here. FNB Washington ranks 97th of 182 Kansas banks on net interest margin, in the lower half at 3.89% (Q2 2026). At 3.89%, FNB Washington's net interest margin is close to the 3.88% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | 6.45% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.07% |
| Cost of interest-bearing liabilities | 1.35% |
| Cost of borrowings | 2.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $643K |
| Total interest expense | $159K |
| Interest expense on deposits | $106K |
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 | 3.74% | 0.88% | 3.01% | 5.61% | 1.63% |
| Q4 2023 | 3.85% | 0.88% | 3.12% | 5.76% | 1.62% |
| Q1 2024 | 4.11% | 0.83% | 3.44% | 6.12% | 1.83% |
| Q2 2024 | 4.01% | 1.02% | 3.22% | 6.15% | 1.83% |
| Q3 2024 | 4.34% | 1.23% | 3.37% | 6.52% | 1.95% |
| Q4 2024 | 4.43% | 1.21% | 3.46% | 6.51% | 1.97% |
| Q1 2025 | 4.53% | 1.20% | 3.58% | 6.50% | 2.12% |
| Q2 2025 | 4.31% | 1.25% | 3.41% | 6.40% | 2.37% |
| Q3 2025 | 4.72% | 1.16% | 3.81% | 6.75% | 2.48% |
| Q4 2025 | 4.69% | 1.14% | 3.81% | 6.78% | 2.62% |
| Q1 2026 | 4.74% | 0.99% | 3.97% | 6.58% | 2.79% |
| Q2 2026 | 4.64% | 0.96% | 3.89% | 6.45% | 3.01% |
FNB Washington 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 Washington, 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 Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4792) · FFIEC NIC profile (RSSD 209559)