First National Bank and Trust Company of Ardmore: 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.
Compared with Q1 2026, Total interest expense rose 3.8% in Q2 2026 to $2.3M, the biggest move on this page. First National Bank and Trust Company of Ardmore ranks 97th of 169 Oklahoma banks on net interest margin, in the lower half at 4.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank and Trust Company of Ardmore sits 0.15 points higher, at 4.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 6.99% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | 3.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.1M |
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 | 4.66% | 1.75% | 2.97% | 6.45% | 2.04% |
| Q4 2023 | 4.95% | 1.80% | 3.21% | 6.81% | 2.05% |
| Q1 2024 | 5.00% | 1.96% | 3.11% | 6.75% | 2.06% |
| Q2 2024 | 5.17% | 1.98% | 3.27% | 6.97% | 2.06% |
| Q3 2024 | 5.31% | 2.01% | 3.38% | 7.13% | 2.05% |
| Q4 2024 | 5.36% | 1.87% | 3.57% | 7.15% | 2.05% |
| Q1 2025 | 5.31% | 1.67% | 3.70% | 6.86% | 2.13% |
| Q2 2025 | 5.42% | 1.59% | 3.89% | 7.05% | 2.15% |
| Q3 2025 | 5.50% | 1.59% | 3.98% | 7.12% | 2.38% |
| Q4 2025 | 5.57% | 1.51% | 4.13% | 7.10% | 2.50% |
| Q1 2026 | 5.48% | 1.45% | 4.09% | 6.95% | 2.52% |
| Q2 2026 | 5.52% | 1.49% | 4.10% | 6.99% | 2.82% |
First National Bank and Trust Company of Ardmore 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 National Bank and Trust Company of Ardmore, 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 National Bank and Trust Company of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4037) · FFIEC NIC profile (RSSD 984258)