First National Bank in Cimarron: 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 standout move of Q2 2026 was in Cost of borrowings: 3.86 percentage points higher than in Q1 2026, at 3.86%. Within Kansas, First National Bank in Cimarron is 88th of 182 on net interest margin, 4.02% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First National Bank in Cimarron reported 4.02% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 7.60% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $454K |
| Interest expense on deposits | $449K |
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 | 4.17% | 1.10% | 3.11% | 6.93% | 1.96% |
| Q4 2023 | 4.30% | 1.09% | 3.23% | 7.26% | 1.98% |
| Q1 2024 | 4.65% | 1.12% | 3.58% | 7.29% | 2.03% |
| Q2 2024 | 4.65% | 1.34% | 3.39% | 7.55% | 1.96% |
| Q3 2024 | 4.93% | 1.46% | 3.58% | 7.79% | 2.00% |
| Q4 2024 | 4.87% | 1.39% | 3.54% | 7.64% | 2.08% |
| Q1 2025 | 4.92% | 1.22% | 3.80% | 7.40% | 2.16% |
| Q2 2025 | 4.74% | 1.26% | 3.58% | 7.19% | 2.20% |
| Q3 2025 | 5.04% | 1.34% | 3.81% | 7.52% | 2.29% |
| Q4 2025 | 5.03% | 1.32% | 3.73% | 7.61% | 2.40% |
| Q1 2026 | 4.97% | 1.19% | 3.88% | 7.49% | 2.45% |
| Q2 2026 | 5.26% | 1.35% | 4.02% | 7.60% | 2.56% |
First National Bank in Cimarron 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 in Cimarron, 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 in Cimarron profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4638) · FFIEC NIC profile (RSSD 677354)