First Fidelity 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 0.24 percentage points to 3.65%. First Fidelity Bank ranks 135th of 169 Oklahoma banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; First Fidelity Bank reported 3.65% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.55% |
| Yield on securities | 2.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $34.7M |
| Total interest expense | $12.7M |
| Interest expense on deposits | $11.0M |
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 | 4.39% | 1.83% | 2.68% | 5.58% | 1.91% |
| Q4 2023 | 4.64% | 2.09% | 2.68% | 5.89% | 1.91% |
| Q1 2024 | 4.64% | 2.17% | 2.61% | 5.84% | 1.91% |
| Q2 2024 | 4.82% | 2.29% | 2.68% | 6.07% | 1.91% |
| Q3 2024 | 4.89% | 2.31% | 2.74% | 6.12% | 1.90% |
| Q4 2024 | 4.99% | 2.18% | 2.96% | 6.23% | 1.90% |
| Q1 2025 | 4.94% | 2.12% | 2.96% | 6.11% | 1.92% |
| Q2 2025 | 5.13% | 2.13% | 3.14% | 6.38% | 1.90% |
| Q3 2025 | 5.14% | 2.21% | 3.08% | 6.32% | 2.02% |
| Q4 2025 | 5.26% | 2.02% | 3.36% | 6.40% | 2.02% |
| Q1 2026 | 5.17% | 1.88% | 3.41% | 6.25% | 2.01% |
| Q2 2026 | 5.43% | 1.90% | 3.65% | 6.55% | 2.11% |
First Fidelity 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 Fidelity 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23473) · FFIEC NIC profile (RSSD 106359)