1st Bank in Hominy: 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.
Yield on loans fell 0.32 percentage points from Q1 2026 to Q2 2026, ending at 8.25% against 8.57%. It was the largest change among the key lines on this page. Within Oklahoma, 1st Bank in Hominy is 52nd of 169 on net interest margin, 4.61% as of Q2 2026, above the middle of the field. 1st Bank in Hominy reported 4.61% on net interest margin for Q2 2026, 0.72 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 8.25% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 4.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $351K |
| Total interest expense | $126K |
| Interest expense on deposits | $126K |
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 | 3.97% | 0.88% | 3.13% | 7.85% | 1.73% |
| Q4 2023 | 3.90% | 1.04% | 2.91% | 7.64% | 1.67% |
| Q1 2024 | 3.92% | 1.15% | 2.82% | 7.70% | 1.76% |
| Q2 2024 | 4.33% | 1.23% | 3.14% | 8.15% | 2.05% |
| Q3 2024 | 4.14% | 1.27% | 2.87% | 8.08% | 2.05% |
| Q4 2024 | 4.38% | 1.80% | 2.67% | 8.28% | 2.37% |
| Q1 2025 | 5.49% | 1.57% | 4.07% | 8.73% | 3.63% |
| Q2 2025 | 5.70% | 1.23% | 4.51% | 8.57% | 4.11% |
| Q3 2025 | 5.93% | 1.31% | 4.69% | 8.68% | 4.44% |
| Q4 2025 | 5.94% | 1.29% | 4.72% | 8.65% | 4.33% |
| Q1 2026 | 5.89% | 1.27% | 4.70% | 8.57% | 4.26% |
| Q2 2026 | 5.75% | 1.23% | 4.61% | 8.25% | 4.34% |
1st Bank in Hominy yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Bank in Hominy, 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 1st Bank in Hominy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4122) · FFIEC NIC profile (RSSD 350657)