The First National Bank and Trust Company of Miami: 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 biggest quarter-over-quarter change on this page was a small one: Cost of funds edged up 0.18 percentage points between Q1 2026 and Q2 2026, to 0.87%. Among 169 Oklahoma banks, The First National Bank and Trust Company of Miami sits 14th from the top on net interest margin, 5.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank and Trust Company of Miami sits 1.41 points higher, at 5.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 7.06% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.87% |
| Cost of interest-bearing deposits | 1.35% |
| Cost of interest-bearing liabilities | 1.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.36% |
| Yield to cost spread | 4.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $370K |
| Interest expense on deposits | $369K |
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 | 5.58% | 0.13% | 5.45% | 7.36% | 3.66% |
| Q4 2023 | 5.74% | 0.13% | 5.62% | 6.82% | 4.16% |
| Q1 2024 | 5.84% | 0.12% | 5.72% | 7.22% | 4.12% |
| Q2 2024 | 6.18% | 0.13% | 6.06% | 7.48% | 4.27% |
| Q3 2024 | 6.30% | 0.12% | 6.18% | 7.77% | 4.32% |
| Q4 2024 | 6.34% | 0.15% | 6.21% | 7.78% | 4.33% |
| Q1 2025 | 6.11% | 0.12% | 6.00% | 7.46% | 4.20% |
| Q2 2025 | 6.22% | 0.52% | 5.74% | 7.44% | 4.26% |
| Q3 2025 | 6.12% | 0.58% | 5.59% | 7.36% | 4.20% |
| Q4 2025 | 6.36% | 0.58% | 5.83% | 7.44% | 4.17% |
| Q1 2026 | 6.02% | 0.69% | 5.40% | 7.16% | 3.85% |
| Q2 2026 | 6.15% | 0.87% | 5.36% | 7.06% | 3.87% |
The First National Bank and Trust Company of Miami 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 Miami, 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 Miami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4148) · FFIEC NIC profile (RSSD 837158)