The First National Bank of Fletcher: 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 Yield on loans: 3.77 percentage points higher than in Q1 2026, at 11.52%. The First National Bank of Fletcher ranks 27th of 169 Oklahoma banks on net interest margin, in the upper half at 5.11% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Fletcher sits 1.23 points higher, at 5.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 11.52% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 0.55% |
| Cost of interest-bearing liabilities | 0.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.11% |
| Yield to cost spread | 5.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $86K |
| Total interest expense | $25K |
| Interest expense on deposits | $25K |
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 | 4.44% | 0.10% | 4.33% | 6.86% | 4.60% |
| Q4 2023 | 4.45% | 0.12% | 4.31% | 7.29% | 4.09% |
| Q1 2024 | 4.57% | 0.16% | 4.39% | 7.21% | 4.58% |
| Q2 2024 | 4.72% | 0.22% | 4.48% | 7.18% | 4.80% |
| Q3 2024 | 5.00% | 0.22% | 4.75% | 7.52% | 5.02% |
| Q4 2024 | 5.16% | 0.25% | 4.87% | 8.11% | 5.13% |
| Q1 2025 | 5.17% | 0.21% | 4.91% | 7.39% | 5.77% |
| Q2 2025 | 5.45% | 0.24% | 5.17% | 7.81% | 5.91% |
| Q3 2025 | 5.31% | 0.42% | 4.83% | 7.58% | 5.63% |
| Q4 2025 | 5.14% | 0.46% | 4.63% | 7.71% | 5.06% |
| Q1 2026 | 5.26% | 0.53% | 4.67% | 7.75% | 5.14% |
| Q2 2026 | 5.68% | 0.72% | 5.11% | 11.52% | 3.97% |
The First National Bank of Fletcher 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 of Fletcher, 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 of Fletcher profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4098) · FFIEC NIC profile (RSSD 185251)