First National Bank & Trust Company of McAlester: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.49 percentage points to 2.17%. First National Bank & Trust Company of McAlester ranks 92nd of 169 Oklahoma banks on net interest margin, in the lower half at 4.18% (Q2 2026). First National Bank & Trust Company of McAlester reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.51% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 2.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.29% | 0.79% | 3.38% | 5.50% | 1.55% |
| Q4 2023 | 4.43% | 1.11% | 3.13% | 5.59% | 1.93% |
| Q1 2024 | 4.60% | 1.60% | 3.07% | 5.72% | 2.21% |
| Q2 2024 | 4.74% | 1.64% | 3.12% | 5.87% | 2.42% |
| Q3 2024 | 4.94% | 1.76% | 3.22% | 6.07% | 2.58% |
| Q4 2024 | 5.03% | 1.74% | 3.35% | 6.14% | 2.71% |
| Q1 2025 | 5.11% | 1.65% | 3.55% | 6.14% | 2.78% |
| Q2 2025 | 5.15% | 1.64% | 3.63% | 6.21% | 2.96% |
| Q3 2025 | 5.31% | 1.63% | 3.79% | 6.38% | 3.31% |
| Q4 2025 | 5.73% | 1.59% | 4.24% | 6.92% | 3.46% |
| Q1 2026 | 5.51% | 1.51% | 4.09% | 6.46% | 3.54% |
| Q2 2026 | 5.58% | 1.49% | 4.18% | 6.51% | 3.84% |
First National Bank & Trust Company of McAlester 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 & Trust Company of McAlester, 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 & Trust Company of McAlester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4145) · FFIEC NIC profile (RSSD 830355)