First Oklahoma Bank: 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 Yield on securities, which fell 0.35 percentage points to 5.46%. First Oklahoma Bank ranks 130th of 169 Oklahoma banks on net interest margin, in the lower half at 3.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; First Oklahoma Bank reported 3.70% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 6.68% |
| Yield on securities | 5.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.91% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.31% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.8M |
| Total interest expense | $8.5M |
| Interest expense on deposits | $8.2M |
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 | 6.41% | 2.53% | 4.02% | 6.41% | 6.16% |
| Q4 2023 | 6.16% | 2.82% | 3.49% | 6.32% | 6.28% |
| Q1 2024 | 6.32% | 3.18% | 3.32% | 6.30% | 5.98% |
| Q2 2024 | 6.45% | 3.24% | 3.37% | 6.53% | 6.75% |
| Q3 2024 | 6.57% | 3.27% | 3.48% | 6.73% | 5.54% |
| Q4 2024 | 6.44% | 3.23% | 3.42% | 6.62% | 4.73% |
| Q1 2025 | 6.16% | 3.11% | 3.26% | 6.38% | 4.84% |
| Q2 2025 | 6.36% | 3.04% | 3.48% | 6.57% | 5.86% |
| Q3 2025 | 6.56% | 3.11% | 3.63% | 6.75% | 6.09% |
| Q4 2025 | 6.44% | 3.07% | 3.56% | 6.67% | 5.75% |
| Q1 2026 | 6.38% | 2.97% | 3.57% | 6.60% | 5.81% |
| Q2 2026 | 6.42% | 2.91% | 3.70% | 6.68% | 5.46% |
First Oklahoma Bank 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 Oklahoma Bank, 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 Oklahoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12484) · FFIEC NIC profile (RSSD 75259)