The First National Bank of Hooker: 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: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 4.49%. Within Oklahoma, The First National Bank of Hooker is 58th of 169 on net interest margin, 4.49% as of Q2 2026, above the middle of the field. The First National Bank of Hooker reported 4.49% on net interest margin for Q2 2026, 0.60 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 7.01% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $961K |
| Total interest expense | $238K |
| Interest expense on deposits | $238K |
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 | 5.07% | 1.71% | 3.66% | 6.36% | 2.63% |
| Q4 2023 | 5.13% | 1.80% | 3.62% | 6.45% | 2.61% |
| Q1 2024 | 5.19% | 1.58% | 3.79% | 6.53% | 2.61% |
| Q2 2024 | 5.44% | 1.65% | 4.01% | 6.82% | 2.67% |
| Q3 2024 | 5.56% | 1.70% | 4.08% | 6.92% | 2.67% |
| Q4 2024 | 5.60% | 1.53% | 4.25% | 7.01% | 2.63% |
| Q1 2025 | 5.52% | 1.35% | 4.31% | 6.95% | 2.64% |
| Q2 2025 | 5.61% | 1.36% | 4.38% | 7.02% | 2.80% |
| Q3 2025 | 5.63% | 1.53% | 4.32% | 6.96% | 2.86% |
| Q4 2025 | 5.66% | 1.56% | 4.34% | 6.97% | 2.88% |
| Q1 2026 | 5.53% | 1.23% | 4.44% | 6.93% | 2.90% |
| Q2 2026 | 5.58% | 1.24% | 4.49% | 7.01% | 2.90% |
The First National Bank of Hooker 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 Hooker, 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 Hooker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4123) · FFIEC NIC profile (RSSD 816256)