First 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.
Yield on loans rose 0.27 percentage points from Q1 2026 to Q2 2026, ending at 8.42% against 8.15%. It was the largest change among the key lines on this page. First Bank ranks 18th of 169 Oklahoma banks on net interest margin, in the upper half at 5.30% (Q2 2026). First Bank reported 5.30% on net interest margin for Q2 2026, 1.36 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.59% |
| Yield on loans | 8.42% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.30% |
| Yield to cost spread | 4.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $360K |
| Interest expense on deposits | $357K |
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 | 7.56% | 0.78% | 6.86% | 9.20% | 1.90% |
| Q4 2023 | 8.04% | 0.90% | 7.25% | 9.42% | 1.86% |
| Q1 2024 | 8.13% | 1.15% | 7.11% | 9.42% | 2.09% |
| Q2 2024 | 8.01% | 1.21% | 6.94% | 9.62% | 1.97% |
| Q3 2024 | 8.40% | 1.30% | 7.22% | 9.85% | 5.19% |
| Q4 2024 | 7.70% | 1.37% | 6.50% | 9.29% | 0.96% |
| Q1 2025 | 7.21% | 1.36% | 5.98% | 9.07% | 4.18% |
| Q2 2025 | 7.43% | 1.44% | 6.14% | 10.11% | 2.90% |
| Q3 2025 | 6.96% | 1.45% | 5.69% | 9.27% | 3.10% |
| Q4 2025 | 6.71% | 1.52% | 5.39% | 8.72% | 3.14% |
| Q1 2026 | 6.59% | 1.51% | 5.24% | 8.15% | 3.94% |
| Q2 2026 | 6.59% | 1.44% | 5.30% | 8.42% | 3.71% |
First 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4092) · FFIEC NIC profile (RSSD 280352)