First Bank & 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 climbed 9.30 percentage points in Q2 2026, from 0.00% to 9.30%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Bank & Trust Company is 51st of 169 on net interest margin, 4.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Bank & Trust Company sits 0.67 points higher, at 4.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 6.64% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 9.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.1M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.2M |
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 | 5.25% | 1.74% | 3.71% | 5.84% | 0.80% |
| Q4 2023 | 5.40% | 1.99% | 3.65% | 5.99% | 0.82% |
| Q1 2024 | 5.42% | 2.11% | 3.56% | 6.06% | 0.81% |
| Q2 2024 | 5.66% | 2.22% | 3.73% | 6.24% | 1.03% |
| Q3 2024 | 6.05% | 2.18% | 4.14% | 6.65% | 1.60% |
| Q4 2024 | 5.88% | 1.96% | 4.14% | 6.58% | 2.77% |
| Q1 2025 | 5.89% | 1.75% | 4.32% | 6.46% | 3.37% |
| Q2 2025 | 5.98% | 1.69% | 4.49% | 6.46% | 3.87% |
| Q3 2025 | 6.07% | 1.69% | 4.58% | 6.56% | 3.87% |
| Q4 2025 | 6.13% | 1.65% | 4.70% | 6.72% | 3.81% |
| Q1 2026 | 5.97% | 1.66% | 4.53% | 6.50% | 3.71% |
| Q2 2026 | 6.00% | 1.60% | 4.62% | 6.64% | 3.72% |
First Bank & 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 & 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27394) · FFIEC NIC profile (RSSD 1228034)