First State 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.
In Q2 2026, Yield on loans edged down by 0.20 percentage points, from 7.07% to 6.87%, the largest move among the key lines here. First State Bank has the 2nd lowest net interest margin of the 169 banks headquartered in Oklahoma, at 2.52% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First State Bank sits 1.42 points lower, at 2.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.04% |
| Yield on loans | 6.87% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.52% |
| Yield to cost spread | 2.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $653K |
| Total interest expense | $544K |
| Interest expense on deposits | $544K |
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 | 3.42% | 1.63% | 1.96% | 6.66% | 2.09% |
| Q4 2023 | 3.51% | 1.80% | 1.88% | 6.73% | 2.12% |
| Q1 2024 | 3.69% | 1.66% | 2.17% | 7.01% | 2.24% |
| Q2 2024 | 3.78% | 1.79% | 2.15% | 7.13% | 2.26% |
| Q3 2024 | 3.75% | 1.91% | 2.03% | 7.27% | 2.30% |
| Q4 2024 | 3.79% | 1.75% | 2.20% | 7.25% | 2.35% |
| Q1 2025 | 3.73% | 1.66% | 2.20% | 7.21% | 2.39% |
| Q2 2025 | 3.82% | 1.71% | 2.27% | 7.14% | 2.46% |
| Q3 2025 | 3.98% | 1.71% | 2.43% | 7.18% | 2.56% |
| Q4 2025 | 4.08% | 1.61% | 2.61% | 7.12% | 2.78% |
| Q1 2026 | 4.02% | 1.58% | 2.56% | 7.07% | 2.82% |
| Q2 2026 | 4.04% | 1.64% | 2.52% | 6.87% | 2.89% |
First State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12283) · FFIEC NIC profile (RSSD 41553)