Farmers and Merchants 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.
In Q2 2026, Yield on loans edged up by 0.06 percentage points, from 6.93% to 6.99%, the largest move among the key lines here. On net interest margin, Farmers and Merchants Bank is 10th from the bottom among 169 Oklahoma banks, 3.14% (Q2 2026). Farmers and Merchants Bank reported 3.14% on net interest margin for Q2 2026, 0.75 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 6.99% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $437K |
| Total interest expense | $306K |
| Interest expense on deposits | $306K |
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 | 4.54% | 1.32% | 3.37% | 6.37% | 2.53% |
| Q4 2023 | 4.82% | 1.78% | 3.24% | 6.65% | 2.90% |
| Q1 2024 | 4.93% | 1.89% | 3.23% | 6.78% | 3.16% |
| Q2 2024 | 5.05% | 1.97% | 3.29% | 6.84% | 3.35% |
| Q3 2024 | 5.24% | 1.83% | 3.62% | 7.01% | 3.51% |
| Q4 2024 | 5.00% | 2.03% | 3.22% | 7.07% | 3.58% |
| Q1 2025 | 4.84% | 1.96% | 3.18% | 6.93% | 3.56% |
| Q2 2025 | 4.93% | 1.84% | 3.29% | 7.09% | 3.63% |
| Q3 2025 | 4.98% | 1.88% | 3.32% | 7.23% | 3.66% |
| Q4 2025 | 4.83% | 1.79% | 3.24% | 7.10% | 3.64% |
| Q1 2026 | 4.66% | 1.71% | 3.13% | 6.93% | 3.58% |
| Q2 2026 | 4.67% | 1.71% | 3.14% | 6.99% | 3.64% |
Farmers and Merchants 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 Farmers and Merchants 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 Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13415) · FFIEC NIC profile (RSSD 257653)