First Bethany Bank & Trust: 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 3.1% to $1.4M. On net interest margin, First Bethany Bank & Trust is 14th from the bottom among 169 Oklahoma banks, 3.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Bethany Bank & Trust sits 0.73 points lower, at 3.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.42% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 1.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 4.24% | 1.74% | 2.50% | 5.29% | 2.43% |
| Q4 2023 | 4.45% | 1.88% | 2.55% | 5.47% | 2.61% |
| Q1 2024 | 4.22% | 1.94% | 2.39% | 5.52% | 2.13% |
| Q2 2024 | 4.30% | 2.01% | 2.42% | 5.71% | 2.24% |
| Q3 2024 | 4.47% | 2.10% | 2.50% | 5.93% | 2.36% |
| Q4 2024 | 4.55% | 2.15% | 2.54% | 6.02% | 2.35% |
| Q1 2025 | 4.53% | 2.15% | 2.50% | 6.01% | 2.34% |
| Q2 2025 | 4.70% | 2.05% | 2.76% | 6.15% | 2.31% |
| Q3 2025 | 4.77% | 1.99% | 2.89% | 6.33% | 2.31% |
| Q4 2025 | 4.89% | 1.98% | 3.04% | 6.41% | 2.34% |
| Q1 2026 | 4.90% | 1.86% | 3.15% | 6.29% | 2.39% |
| Q2 2026 | 4.96% | 1.83% | 3.21% | 6.42% | 2.38% |
First Bethany Bank & Trust 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 Bethany Bank & Trust, 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 Bethany Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4228) · FFIEC NIC profile (RSSD 988452)