Newfirst National 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: Net interest margin edged up 0.04 percentage points between Q1 2026 and Q2 2026, to 5.24%. On net interest margin, Newfirst National Bank ranks 27th highest among the 345 banks headquartered in Texas, at 5.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Newfirst National Bank sits 1.29 points higher, at 5.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.55% |
| Yield on loans | 7.53% |
| Yield on securities | 1.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.24% |
| Yield to cost spread | 4.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 6.49% | 1.77% | 5.06% | 7.40% | 2.07% |
| Q4 2023 | 6.65% | 1.76% | 5.20% | 7.52% | 2.01% |
| Q1 2024 | 6.75% | 1.60% | 5.28% | 7.62% | 2.01% |
| Q2 2024 | 6.96% | 1.72% | 5.37% | 7.81% | 2.01% |
| Q3 2024 | 7.12% | 1.82% | 5.47% | 7.92% | 1.91% |
| Q4 2024 | 6.94% | 1.67% | 5.42% | 7.81% | 1.94% |
| Q1 2025 | 6.67% | 1.59% | 5.21% | 7.49% | 1.86% |
| Q2 2025 | 6.86% | 1.62% | 5.39% | 7.65% | 1.86% |
| Q3 2025 | 7.00% | 1.61% | 5.54% | 7.89% | 1.84% |
| Q4 2025 | 6.65% | 1.50% | 5.30% | 7.68% | 1.73% |
| Q1 2026 | 6.49% | 1.42% | 5.20% | 7.49% | 1.73% |
| Q2 2026 | 6.55% | 1.43% | 5.24% | 7.53% | 1.76% |
Newfirst National 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 Newfirst National 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 Newfirst National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3183) · FFIEC NIC profile (RSSD 938859)