First National Bank & Trust, Elk City, 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.16 percentage points between Q1 2026 and Q2 2026, to 7.66%. Within Oklahoma, First National Bank & Trust, Elk City, Oklahoma is 118th of 169 on net interest margin, 3.89% as of Q2 2026, below 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 & Trust, Elk City, Oklahoma reported 3.89% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 7.66% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.38% | 1.80% | 3.77% | 8.41% | 2.64% |
| Q4 2023 | 5.72% | 2.14% | 3.80% | 8.98% | 2.66% |
| Q1 2024 | 5.63% | 2.26% | 3.61% | 8.75% | 2.68% |
| Q2 2024 | 5.74% | 2.31% | 3.68% | 8.90% | 2.75% |
| Q3 2024 | 5.75% | 2.38% | 3.62% | 8.84% | 2.81% |
| Q4 2024 | 5.67% | 2.26% | 3.67% | 8.59% | 2.84% |
| Q1 2025 | 5.52% | 2.06% | 3.68% | 8.16% | 2.87% |
| Q2 2025 | 5.60% | 1.98% | 3.84% | 8.11% | 2.84% |
| Q3 2025 | 5.75% | 1.96% | 4.02% | 8.30% | 2.80% |
| Q4 2025 | 5.55% | 1.82% | 3.95% | 7.82% | 2.77% |
| Q1 2026 | 5.38% | 1.71% | 3.87% | 7.50% | 2.82% |
| Q2 2026 | 5.37% | 1.67% | 3.89% | 7.66% | 2.82% |
First National Bank & Trust, Elk City, 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 & Trust, Elk City, 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 & Trust, Elk City, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4086) · FFIEC NIC profile (RSSD 114457)