First Enterprise Bank: 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 Net interest margin, which rose 0.20 percentage points to 4.71%. First Enterprise Bank ranks 47th of 169 Oklahoma banks on net interest margin, in the upper half at 4.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Enterprise Bank sits 0.76 points higher, at 4.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.49% |
| Yield on loans | 6.94% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.75% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.71% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $817K |
| Interest expense on deposits | $817K |
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 | 6.70% | 1.12% | 5.66% | 7.19% | 2.62% |
| Q4 2023 | 7.32% | 1.55% | 5.90% | 7.88% | 2.71% |
| Q1 2024 | 7.61% | 1.61% | 6.12% | 7.93% | 2.68% |
| Q2 2024 | 7.44% | 1.90% | 5.70% | 7.67% | 2.77% |
| Q3 2024 | 7.41% | 2.10% | 5.50% | 7.57% | — |
| Q4 2024 | 7.39% | 2.26% | 5.32% | 7.62% | — |
| Q1 2025 | 6.90% | 2.25% | 4.85% | 7.21% | — |
| Q2 2025 | 7.01% | 2.34% | 4.94% | 7.40% | — |
| Q3 2025 | 8.26% | 2.24% | 6.22% | 8.59% | — |
| Q4 2025 | 6.43% | 2.21% | 4.39% | 6.70% | — |
| Q1 2026 | 6.45% | 2.07% | 4.51% | 6.79% | — |
| Q2 2026 | 6.49% | 1.88% | 4.71% | 6.94% | — |
First Enterprise Bank 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 Enterprise Bank, 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 Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4049) · FFIEC NIC profile (RSSD 315656)