The First Bank of Okarche: 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 fell 0.20 percentage points from Q2 2026 to Q3 2026, ending at 3.31% against 3.51%. It was the largest change among the key lines on this page. Within Oklahoma, The First Bank of Okarche is 143rd of 169 on net interest margin, 3.51% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First Bank of Okarche sits 0.64 points lower, at 3.31% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.14% |
| Yield on loans | 7.28% |
| Yield on securities | 2.00% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.98% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $756K |
| Total interest expense | $285K |
| Interest expense on deposits | $285K |
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 | 4.43% | 0.64% | 3.86% | 7.00% | 1.97% |
| Q1 2024 | 4.67% | 0.71% | 4.03% | 7.22% | 2.10% |
| Q2 2024 | 4.69% | 0.86% | 3.92% | 7.27% | 2.11% |
| Q3 2024 | 4.69% | 0.96% | 3.85% | 7.60% | 2.07% |
| Q4 2024 | 4.43% | 0.98% | 3.57% | 7.50% | 1.70% |
| Q1 2025 | 4.69% | 0.95% | 3.86% | 7.39% | 1.89% |
| Q2 2025 | 4.58% | 0.95% | 3.75% | 7.50% | 1.91% |
| Q3 2025 | 4.47% | 0.96% | 3.63% | 7.54% | 1.98% |
| Q4 2025 | 4.57% | 0.93% | 3.74% | 7.57% | 2.00% |
| Q1 2026 | 4.73% | 0.91% | 3.92% | 7.34% | 1.99% |
| Q2 2026 | 4.34% | 0.96% | 3.51% | 7.30% | 2.00% |
| Q3 2026 | 4.14% | 0.98% | 3.31% | 7.28% | 2.00% |
The First Bank of Okarche 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 First Bank of Okarche, 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 First Bank of Okarche profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1165) · FFIEC NIC profile (RSSD 918150)