The First Farmers National Bank of Waurika: 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 fell 0.23 percentage points to 3.30%. Within Oklahoma, The First Farmers National Bank of Waurika is 152nd of 169 on net interest margin, 3.30% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First Farmers National Bank of Waurika sits 0.59 points lower, at 3.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 7.34% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $366K |
| Total interest expense | $206K |
| Interest expense on deposits | $206K |
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 | 4.37% | 1.77% | 2.91% | 7.54% | 2.70% |
| Q4 2023 | 4.59% | 1.88% | 3.03% | 7.65% | 2.74% |
| Q1 2024 | 4.79% | 1.90% | 3.21% | 7.62% | 2.79% |
| Q2 2024 | 4.62% | 2.20% | 2.80% | 7.78% | 2.65% |
| Q3 2024 | 4.71% | 2.12% | 2.96% | 8.28% | 2.74% |
| Q4 2024 | 4.78% | 2.01% | 3.13% | 8.16% | 2.91% |
| Q1 2025 | 4.87% | 1.96% | 3.24% | 7.63% | 2.87% |
| Q2 2025 | 4.74% | 2.02% | 3.08% | 7.72% | 2.89% |
| Q3 2025 | 4.73% | 1.95% | 3.12% | 7.91% | 3.01% |
| Q4 2025 | 4.81% | 1.90% | 3.24% | 7.76% | 3.13% |
| Q1 2026 | 4.98% | 1.75% | 3.53% | 7.52% | 3.08% |
| Q2 2026 | 4.74% | 1.72% | 3.30% | 7.34% | 3.16% |
The First Farmers National Bank of Waurika yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Farmers National Bank of Waurika, 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 The First Farmers National Bank of Waurika profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4222) · FFIEC NIC profile (RSSD 353957)