The Farmers and Merchants National Bank of Fairview: 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.
The standout move of Q3 2026 was in Cost of borrowings: 1.53 percentage points lower than in Q2 2026, at 2.54%. The Farmers and Merchants National Bank of Fairview ranks 149th of 169 Oklahoma banks on net interest margin, in the lower half at 3.35% (Q3 2026). The Farmers and Merchants National Bank of Fairview reported 3.35% on net interest margin for Q3 2026, 0.60 points below the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | 7.02% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 2.54% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $946K |
| Total interest expense | $393K |
| Interest expense on deposits | $318K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.06% | 1.20% | 2.93% | 6.71% | 2.40% |
| Q1 2024 | 4.21% | 1.20% | 3.06% | 6.63% | 2.40% |
| Q2 2024 | 4.13% | 1.31% | 2.89% | 6.65% | 2.37% |
| Q3 2024 | 4.31% | 1.57% | 2.80% | 7.09% | 2.41% |
| Q4 2024 | 4.42% | 1.58% | 2.95% | 7.08% | 2.41% |
| Q1 2025 | 4.19% | 1.57% | 2.70% | 6.45% | 2.43% |
| Q2 2025 | 4.34% | 1.54% | 2.90% | 6.81% | 2.40% |
| Q3 2025 | 4.52% | 1.53% | 3.08% | 7.11% | 2.42% |
| Q4 2025 | 4.49% | 1.54% | 3.06% | 7.06% | 2.42% |
| Q1 2026 | 4.53% | 1.43% | 3.19% | 6.96% | 2.39% |
| Q2 2026 | 4.59% | 1.40% | 3.28% | 6.97% | 2.49% |
| Q3 2026 | 4.69% | 1.36% | 3.35% | 7.02% | 2.53% |
The Farmers and Merchants National Bank of Fairview yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants National Bank of Fairview, 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 The Farmers and Merchants National Bank of Fairview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4097) · FFIEC NIC profile (RSSD 73152)