First American 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.
Net interest margin climbed 0.51 percentage points in Q2 2026, from 4.67% to 5.18%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First American Bank is 22nd of 169 on net interest margin, 5.18% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First American Bank sits 1.29 points higher, at 5.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 7.40% |
| Yield on securities | 4.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 1.53% |
| Cost of interest-bearing liabilities | 1.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.18% |
| Yield to cost spread | 4.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $405K |
| Total interest expense | $91K |
| Interest expense on deposits | $91K |
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 | 5.76% | 0.90% | 4.93% | 6.47% | 3.76% |
| Q4 2023 | 5.86% | 0.96% | 4.97% | 6.59% | 3.73% |
| Q1 2024 | 6.00% | 0.96% | 5.11% | 6.73% | 3.85% |
| Q2 2024 | 6.12% | 1.02% | 5.19% | 6.78% | 4.09% |
| Q3 2024 | 6.32% | 1.11% | 5.31% | 6.89% | 4.83% |
| Q4 2024 | 6.56% | 1.15% | 5.51% | 7.15% | 4.72% |
| Q1 2025 | 5.80% | 1.14% | 4.75% | 6.41% | 4.72% |
| Q2 2025 | 6.04% | 1.15% | 4.99% | 6.80% | 4.71% |
| Q3 2025 | 5.97% | 1.15% | 4.91% | 6.67% | 4.75% |
| Q4 2025 | 6.05% | 1.17% | 4.99% | 6.96% | 4.75% |
| Q1 2026 | 5.75% | 1.19% | 4.67% | 6.59% | 4.67% |
| Q2 2026 | 6.26% | 1.19% | 5.18% | 7.40% | 4.68% |
First American 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 First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15762) · FFIEC NIC profile (RSSD 321255)