First Bank and Trust Company: 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.
Cost of borrowings dropped 1.15 percentage points in Q2 2026, from 2.09% to 0.94%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Bank and Trust Company is 84th of 169 on net interest margin, 4.23% 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 Bank and Trust Company sits 0.35 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 7.76% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.36% |
| Cost of borrowings | 0.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $413K |
| Total interest expense | $118K |
| Interest expense on deposits | $112K |
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 | 4.85% | 0.34% | 4.56% | 7.55% | 1.70% |
| Q4 2023 | 5.08% | 0.43% | 4.72% | 7.67% | 1.78% |
| Q1 2024 | 5.20% | 0.50% | 4.75% | 7.79% | 2.00% |
| Q2 2024 | 5.29% | 0.71% | 4.66% | 7.93% | 1.97% |
| Q3 2024 | 5.16% | 0.89% | 4.28% | 8.00% | 1.96% |
| Q4 2024 | 5.17% | 1.03% | 4.18% | 7.99% | 1.91% |
| Q1 2025 | 5.09% | 0.88% | 4.34% | 7.92% | 2.09% |
| Q2 2025 | 4.86% | 0.78% | 4.18% | 7.99% | 1.86% |
| Q3 2025 | 5.00% | 0.87% | 4.25% | 8.11% | 1.90% |
| Q4 2025 | 5.26% | 0.84% | 4.52% | 8.48% | 1.94% |
| Q1 2026 | 4.74% | 0.89% | 3.98% | 7.93% | 2.04% |
| Q2 2026 | 5.06% | 0.97% | 4.23% | 7.76% | 2.01% |
First Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15348) · FFIEC NIC profile (RSSD 157856)