FNBC 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.
Compared with Q1 2026, Net interest margin rose 0.25 percentage points in Q2 2026 to 4.47%, the biggest move on this page. FNBC Bank ranks 16th of 78 Arkansas banks on net interest margin, in the upper half at 4.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. FNBC Bank sits 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 7.32% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.2M |
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 | 5.47% | 2.10% | 3.44% | 6.14% | 4.02% |
| Q4 2023 | 5.71% | 2.55% | 3.43% | 6.62% | 3.85% |
| Q1 2024 | 5.68% | 2.76% | 3.25% | 6.51% | 3.92% |
| Q2 2024 | 5.80% | 2.62% | 3.38% | 6.61% | 4.03% |
| Q3 2024 | 6.00% | 2.58% | 3.58% | 6.88% | 4.00% |
| Q4 2024 | 6.15% | 2.58% | 3.75% | 7.05% | 4.04% |
| Q1 2025 | 6.09% | 2.33% | 3.90% | 6.97% | 3.95% |
| Q2 2025 | 6.54% | 2.21% | 4.48% | 7.69% | 3.83% |
| Q3 2025 | 6.31% | 2.23% | 4.25% | 7.29% | 3.85% |
| Q4 2025 | 6.35% | 2.17% | 4.30% | 7.40% | 3.74% |
| Q1 2026 | 6.14% | 2.05% | 4.22% | 7.11% | 3.59% |
| Q2 2026 | 6.33% | 2.00% | 4.47% | 7.32% | 3.53% |
FNBC 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 FNBC 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 FNBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1294) · FFIEC NIC profile (RSSD 100843)