HNB First 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 0.16 percentage points in Q2 2026 to 4.41%, the biggest move on this page. HNB First Bank ranks 27th of 93 Alabama banks on net interest margin, in the upper half at 4.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. HNB First Bank sits 0.46 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.92% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 5.86% | 1.67% | 4.25% | 6.50% | 2.27% |
| Q4 2023 | 6.04% | 1.85% | 4.26% | 6.73% | 2.33% |
| Q1 2024 | 5.92% | 2.01% | 4.05% | 6.73% | 2.40% |
| Q2 2024 | 6.25% | 2.09% | 4.24% | 6.95% | 2.44% |
| Q3 2024 | 6.48% | 2.20% | 4.37% | 7.23% | 2.50% |
| Q4 2024 | 6.34% | 2.27% | 4.20% | 7.16% | 2.56% |
| Q1 2025 | 5.94% | 2.18% | 3.86% | 6.80% | 2.90% |
| Q2 2025 | 6.30% | 2.15% | 4.26% | 7.12% | 2.76% |
| Q3 2025 | 6.39% | 2.26% | 4.30% | 7.20% | 2.90% |
| Q4 2025 | 6.23% | 2.13% | 4.20% | 7.09% | 2.98% |
| Q1 2026 | 6.18% | 2.01% | 4.25% | 6.87% | 3.20% |
| Q2 2026 | 6.29% | 1.99% | 4.41% | 6.92% | 3.21% |
HNB First 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 HNB First 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 HNB First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2805) · FFIEC NIC profile (RSSD 117038)