First Bank of Owasso: 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.9% to $2.6M. First Bank of Owasso ranks 40th of 169 Oklahoma banks on net interest margin, in the upper half at 4.81% (Q2 2026). First Bank of Owasso reported 4.81% on net interest margin for Q2 2026, 0.86 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | 7.28% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.81% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 7.17% | 1.70% | 5.67% | 8.24% | 3.11% |
| Q4 2023 | 7.27% | 1.63% | 5.84% | 8.32% | 2.91% |
| Q1 2024 | 7.25% | 1.67% | 5.77% | 8.36% | 3.12% |
| Q2 2024 | 7.31% | 1.70% | 5.84% | 8.33% | 3.30% |
| Q3 2024 | 7.75% | 1.71% | 6.30% | 8.65% | 3.36% |
| Q4 2024 | 7.33% | 1.82% | 5.77% | 8.13% | 3.37% |
| Q1 2025 | 6.70% | 2.06% | 4.91% | 7.57% | 3.26% |
| Q2 2025 | 6.82% | 2.20% | 4.90% | 7.72% | 3.32% |
| Q3 2025 | 7.04% | 2.18% | 5.16% | 7.99% | 3.16% |
| Q4 2025 | 6.87% | 1.92% | 5.23% | 7.62% | 3.47% |
| Q1 2026 | 6.27% | 1.87% | 4.65% | 7.10% | 3.38% |
| Q2 2026 | 6.46% | 1.90% | 4.81% | 7.28% | 3.32% |
First Bank of Owasso 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 of Owasso, 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 of Owasso profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18592) · FFIEC NIC profile (RSSD 637554)