Farmers State Bank, Allen, Oklahoma: 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, Cost of interest-bearing deposits edged down by 0.12 percentage points, from 1.51% to 1.39%, the largest move among the key lines here. Among 169 Oklahoma banks, Farmers State Bank, Allen, Oklahoma sits 11th from the top on net interest margin, 5.45% as of Q2 2026. Farmers State Bank, Allen, Oklahoma reported 5.45% on net interest margin for Q2 2026, 1.56 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 6.94% |
| Yield on securities | 5.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.45% |
| Yield to cost spread | 4.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $700K |
| Total interest expense | $117K |
| Interest expense on deposits | $117K |
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 | 6.34% | 0.85% | 5.51% | 6.46% | 3.90% |
| Q4 2023 | 6.42% | 0.95% | 5.46% | 6.64% | 4.08% |
| Q1 2024 | 6.35% | 1.09% | 5.32% | 6.64% | 4.20% |
| Q2 2024 | 6.34% | 1.14% | 5.28% | 6.68% | 4.43% |
| Q3 2024 | 6.53% | 1.13% | 5.49% | 6.78% | 4.96% |
| Q4 2024 | 6.61% | 1.24% | 5.50% | 6.84% | 5.07% |
| Q1 2025 | 6.44% | 1.22% | 5.33% | 6.74% | 5.26% |
| Q2 2025 | 6.47% | 1.19% | 5.41% | 6.82% | 5.30% |
| Q3 2025 | 6.62% | 1.17% | 5.58% | 6.99% | 5.36% |
| Q4 2025 | 6.40% | 1.13% | 5.40% | 6.82% | 5.25% |
| Q1 2026 | 6.40% | 1.08% | 5.43% | 6.92% | 5.12% |
| Q2 2026 | 6.33% | 1.00% | 5.45% | 6.94% | 5.18% |
Farmers State Bank, Allen, Oklahoma 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 State Bank, Allen, Oklahoma, 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 State Bank, Allen, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12758) · FFIEC NIC profile (RSSD 37659)