BancFirst: 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.
Cost of borrowings fell 0.54 percentage points from Q1 2026 to Q2 2026, ending at 2.93% against 3.47%. It was the largest change among the key lines on this page. BancFirst ranks 122nd of 169 Oklahoma banks on net interest margin, in the lower half at 3.79% (Q2 2026). BancFirst reported 3.79% on net interest margin for Q2 2026, 0.20 points above the 3.59% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 6.90% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 2.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $123.5M |
| Total interest expense | $53.1M |
| Interest expense on deposits | $53.0M |
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 | 5.71% | 2.08% | 3.75% | 6.55% | 2.22% |
| Q4 2023 | 5.82% | 2.27% | 3.68% | 6.67% | 2.21% |
| Q1 2024 | 5.92% | 2.35% | 3.69% | 6.82% | 2.21% |
| Q2 2024 | 6.03% | 2.43% | 3.75% | 6.95% | 2.21% |
| Q3 2024 | 6.16% | 2.54% | 3.79% | 7.09% | 2.22% |
| Q4 2024 | 5.91% | 2.39% | 3.68% | 6.97% | 2.22% |
| Q1 2025 | 5.69% | 2.20% | 3.61% | 6.82% | 2.23% |
| Q2 2025 | 5.76% | 2.18% | 3.71% | 6.91% | 2.31% |
| Q3 2025 | 5.86% | 2.23% | 3.78% | 7.02% | 2.37% |
| Q4 2025 | 5.65% | 2.12% | 3.69% | 6.95% | 2.44% |
| Q1 2026 | 5.46% | 1.93% | 3.66% | 6.77% | 2.57% |
| Q2 2026 | 5.57% | 1.89% | 3.79% | 6.90% | 2.94% |
BancFirst yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BancFirst, 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 BancFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27476) · FFIEC NIC profile (RSSD 1386251)