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 securities edged down by 0.13 percentage points, from 3.91% to 3.78%, the largest move among the key lines here. On net interest margin, Farmers and Merchants Bank ranks 13th highest among the 169 banks headquartered in Oklahoma, at 5.40% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Farmers and Merchants Bank sits 1.51 points higher, at 5.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 7.97% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.75% |
| Cost of interest-bearing deposits | 1.15% |
| Cost of interest-bearing liabilities | 1.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.40% |
| Yield to cost spread | 4.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $234K |
| Total interest expense | $37K |
| Interest expense on deposits | $37K |
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 | 7.09% | 0.18% | 6.89% | 8.42% | 4.42% |
| Q4 2023 | 7.73% | 0.23% | 7.50% | 9.01% | 4.86% |
| Q1 2024 | 7.57% | 0.27% | 7.30% | 8.83% | 4.81% |
| Q2 2024 | 7.70% | 0.32% | 7.38% | 9.11% | 4.91% |
| Q3 2024 | 8.03% | 0.40% | 7.62% | 9.35% | 5.10% |
| Q4 2024 | 7.63% | 0.49% | 7.15% | 9.18% | 4.88% |
| Q1 2025 | 7.04% | 0.43% | 6.62% | 8.61% | 4.75% |
| Q2 2025 | 6.50% | 0.50% | 6.01% | 7.86% | 3.96% |
| Q3 2025 | 6.75% | 0.53% | 6.23% | 8.59% | 4.10% |
| Q4 2025 | 6.25% | 0.62% | 5.66% | 8.21% | 3.98% |
| Q1 2026 | 6.05% | 0.72% | 5.37% | 7.93% | 3.91% |
| Q2 2026 | 6.10% | 0.75% | 5.40% | 7.97% | 3.78% |
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 4144) · FFIEC NIC profile (RSSD 836656)