FNBT 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged down 0.18 percentage points between Q1 2026 and Q2 2026, to 4.13%. FNBT Bank ranks 64th of 79 Florida banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. FNBT Bank sits 0.63 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 6.47% |
| Yield on securities | 4.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 5.05% | 1.55% | 3.53% | 6.36% | 2.74% |
| Q4 2023 | 5.10% | 1.93% | 3.43% | 6.59% | 2.79% |
| Q1 2024 | 5.42% | 2.04% | 3.64% | 6.70% | 3.48% |
| Q2 2024 | 5.84% | 2.06% | 4.04% | 6.90% | 4.44% |
| Q3 2024 | 5.96% | 2.13% | 4.12% | 7.02% | 4.79% |
| Q4 2024 | 5.70% | 2.08% | 3.85% | 6.86% | 4.57% |
| Q1 2025 | 5.44% | 1.94% | 3.66% | 6.66% | 4.46% |
| Q2 2025 | 5.45% | 2.01% | 3.63% | 6.65% | 4.43% |
| Q3 2025 | 5.45% | 2.04% | 3.59% | 6.86% | 4.42% |
| Q4 2025 | 5.30% | 1.93% | 3.56% | 6.71% | 4.41% |
| Q1 2026 | 4.90% | 1.79% | 3.26% | 6.44% | 4.31% |
| Q2 2026 | 5.01% | 1.81% | 3.31% | 6.47% | 4.13% |
FNBT 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 FNBT 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 FNBT Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)