First National Bank of Oklahoma: 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.
Compared with Q1 2026, Total interest expense rose 4.4% in Q2 2026 to $5.6M, the biggest move on this page. Within Oklahoma, First National Bank of Oklahoma is 74th of 169 on net interest margin, 4.32% as of Q2 2026, above the middle of the field. First National Bank of Oklahoma reported 4.32% on net interest margin for Q2 2026, 0.37 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.78% |
| Yield on loans | 7.50% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.9M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.3M |
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 | 6.10% | 2.91% | 3.46% | 6.66% | 2.14% |
| Q4 2023 | 6.36% | 3.23% | 3.41% | 6.81% | 2.22% |
| Q1 2024 | 6.47% | 3.26% | 3.48% | 6.98% | 2.41% |
| Q2 2024 | 6.61% | 3.32% | 3.54% | 7.10% | 2.54% |
| Q3 2024 | 6.95% | 3.36% | 3.84% | 7.48% | 2.76% |
| Q4 2024 | 6.84% | 3.20% | 3.92% | 7.45% | 2.78% |
| Q1 2025 | 6.74% | 2.88% | 4.05% | 7.34% | 2.87% |
| Q2 2025 | 6.98% | 3.08% | 4.27% | 7.62% | 2.94% |
| Q3 2025 | 7.09% | 2.99% | 4.38% | 7.78% | 3.08% |
| Q4 2025 | 6.93% | 2.84% | 4.35% | 7.64% | 3.27% |
| Q1 2026 | 6.79% | 2.69% | 4.33% | 7.46% | 3.48% |
| Q2 2026 | 6.78% | 2.71% | 4.32% | 7.50% | 3.51% |
First National Bank of Oklahoma 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 of Oklahoma, 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 of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4211) · FFIEC NIC profile (RSSD 525053)