First Bank of Thomas: 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.
Compared with Q2 2026, Net interest margin fell 0.22 percentage points in Q3 2026 to 2.81%, the biggest move on this page. First Bank of Thomas has the 7th lowest net interest margin of the 169 banks headquartered in Oklahoma, at 3.03% as of Q3 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First Bank of Thomas sits 1.08 points lower, at 2.81% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 6.69% |
| Yield on securities | 1.70% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 2.81% |
| Yield to cost spread | 2.06% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $482K |
| Total interest expense | $308K |
| Interest expense on deposits | $308K |
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 | 4.92% | 2.06% | 3.28% | 6.22% | 1.95% |
| Q1 2024 | 5.23% | 1.93% | 3.49% | 6.37% | 1.88% |
| Q2 2024 | 5.20% | 2.07% | 3.41% | 6.52% | 1.86% |
| Q3 2024 | 5.19% | 2.05% | 3.43% | 6.74% | 1.88% |
| Q4 2024 | 5.21% | 2.03% | 3.48% | 6.75% | 1.80% |
| Q1 2025 | 5.05% | 2.03% | 3.30% | 6.69% | 1.87% |
| Q2 2025 | 5.38% | 2.07% | 3.58% | 6.83% | 1.74% |
| Q3 2025 | 5.36% | 2.10% | 3.56% | 7.15% | 1.84% |
| Q4 2025 | 5.27% | 2.08% | 3.49% | 6.69% | 1.79% |
| Q1 2026 | 5.11% | 2.09% | 3.26% | 6.61% | 1.82% |
| Q2 2026 | 4.97% | 2.19% | 3.03% | 6.83% | 1.67% |
| Q3 2026 | 4.80% | 2.27% | 2.81% | 6.69% | 1.70% |
First Bank of Thomas 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 Thomas, 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 Thomas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4209) · FFIEC NIC profile (RSSD 328058)