The First National Bank and Trust Company of Broken Arrow: 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 6.16%. Among 169 Oklahoma banks, The First National Bank and Trust Company of Broken Arrow sits 4th from the top on net interest margin, 6.16% as of Q2 2026. The First National Bank and Trust Company of Broken Arrow's net interest margin of 6.16% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.21 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 7.23% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.16% |
| Yield to cost spread | 5.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $439K |
| Interest expense on deposits | $439K |
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 | 5.26% | 0.33% | 4.95% | 6.32% | 2.11% |
| Q4 2023 | 5.54% | 0.37% | 5.20% | 6.53% | 2.17% |
| Q1 2024 | 5.78% | 0.43% | 5.38% | 6.69% | 2.24% |
| Q2 2024 | 6.03% | 0.50% | 5.57% | 6.92% | 2.32% |
| Q3 2024 | 6.39% | 0.60% | 5.85% | 7.20% | 2.46% |
| Q4 2024 | 6.64% | 0.63% | 6.07% | 7.28% | 2.54% |
| Q1 2025 | 6.49% | 0.76% | 5.81% | 7.05% | 2.47% |
| Q2 2025 | 6.54% | 0.81% | 5.82% | 7.18% | 2.32% |
| Q3 2025 | 6.58% | 0.81% | 5.86% | 7.28% | 2.35% |
| Q4 2025 | 6.58% | 0.73% | 5.93% | 7.49% | 2.49% |
| Q1 2026 | 6.54% | 0.70% | 5.92% | 7.28% | 2.88% |
| Q2 2026 | 6.85% | 0.79% | 6.16% | 7.23% | 3.11% |
The First National Bank and Trust Company of Broken Arrow 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 National Bank and Trust Company of Broken Arrow, 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 National Bank and Trust Company of Broken Arrow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4050) · FFIEC NIC profile (RSSD 145554)