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.
Compared with Q1 2026, Net interest margin fell 0.14 percentage points in Q2 2026 to 3.74%, the biggest move on this page. Farmers and Merchants Bank ranks 126th of 169 Oklahoma banks on net interest margin, in the lower half at 3.74% (Q2 2026). Farmers and Merchants Bank reported 3.74% on net interest margin for Q2 2026, 0.15 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 7.31% |
| Yield on securities | 4.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $119K |
| Total interest expense | $77K |
| Interest expense on deposits | $77K |
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 | 5.85% | 1.61% | 4.31% | 8.55% | 2.82% |
| Q4 2023 | 6.29% | 1.81% | 4.55% | 8.87% | 3.68% |
| Q1 2024 | 6.09% | 1.80% | 4.36% | 8.32% | 3.50% |
| Q2 2024 | 6.33% | 2.00% | 4.36% | 8.51% | 4.01% |
| Q3 2024 | 6.23% | 2.09% | 4.23% | 8.67% | 4.30% |
| Q4 2024 | 5.91% | 1.98% | 3.99% | 8.02% | 4.29% |
| Q1 2025 | 5.37% | 1.82% | 3.61% | 7.63% | 4.28% |
| Q2 2025 | 5.71% | 1.68% | 4.11% | 7.77% | 4.93% |
| Q3 2025 | 5.91% | 1.72% | 4.28% | 7.78% | 4.99% |
| Q4 2025 | 5.25% | 1.90% | 3.58% | 7.58% | 3.31% |
| Q1 2026 | 5.49% | 1.67% | 3.88% | 7.35% | 4.34% |
| Q2 2026 | 5.39% | 1.83% | 3.74% | 7.31% | 4.53% |
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 12284) · FFIEC NIC profile (RSSD 273859)