First Option 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 Cost of borrowings, which rose 0.61 percentage points to 3.20%. First Option Bank ranks 156th of 182 Kansas banks on net interest margin, in the lower half at 3.32% (Q2 2026). First Option Bank reported 3.32% on net interest margin for Q2 2026, 0.63 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 6.15% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 3.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.0M |
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 | 4.28% | 1.76% | 2.44% | 5.41% | 2.48% |
| Q4 2023 | 4.38% | 1.88% | 2.32% | 5.57% | 2.38% |
| Q1 2024 | 4.42% | 1.94% | 2.31% | 5.58% | 2.46% |
| Q2 2024 | 4.66% | 1.96% | 2.49% | 5.69% | 2.67% |
| Q3 2024 | 4.75% | 2.04% | 2.52% | 5.80% | 2.78% |
| Q4 2024 | 4.77% | 1.88% | 2.61% | 5.89% | 2.71% |
| Q1 2025 | 4.80% | 1.75% | 2.78% | 5.87% | 2.85% |
| Q2 2025 | 4.85% | 1.75% | 2.83% | 5.96% | 2.85% |
| Q3 2025 | 4.99% | 1.75% | 3.01% | 6.12% | 3.04% |
| Q4 2025 | 4.95% | 1.63% | 3.07% | 6.09% | 3.01% |
| Q1 2026 | 4.96% | 1.49% | 3.28% | 6.04% | 3.12% |
| Q2 2026 | 5.03% | 1.52% | 3.32% | 6.15% | 3.15% |
First Option 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 Option 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 Option Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4746) · FFIEC NIC profile (RSSD 285852)