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.
The standout move of Q2 2026 was in Cost of borrowings: 0.76 percentage points higher than in Q1 2026, at 6.07%. On net interest margin, First State Bank ranks 5th highest among the 169 banks headquartered in Oklahoma, at 6.14% (Q2 2026). First State Bank's net interest margin of 6.14% is well above the 3.94% median for banks in the $100M-1B asset tier, a gap of 2.20 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.12% |
| Yield on loans | 8.25% |
| Yield on securities | 4.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | 6.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.14% |
| Yield to cost spread | 5.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $228K |
| Interest expense on deposits | $218K |
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 | 6.89% | 0.92% | 6.04% | 7.44% | 3.27% |
| Q4 2023 | 7.32% | 1.18% | 6.24% | 7.94% | 3.44% |
| Q1 2024 | 7.29% | 1.40% | 5.98% | 8.13% | 3.56% |
| Q2 2024 | 7.53% | 1.51% | 6.10% | 8.45% | 4.14% |
| Q3 2024 | 7.67% | 1.69% | 6.10% | 8.66% | 4.36% |
| Q4 2024 | 7.56% | 1.58% | 6.12% | 8.77% | 4.31% |
| Q1 2025 | 7.32% | 1.43% | 5.98% | 8.42% | 4.38% |
| Q2 2025 | 7.33% | 1.39% | 6.02% | 8.49% | 4.48% |
| Q3 2025 | 7.23% | 1.42% | 5.92% | 8.46% | 4.53% |
| Q4 2025 | 7.31% | 1.30% | 6.14% | 8.44% | 4.48% |
| Q1 2026 | 6.93% | 1.18% | 5.83% | 7.98% | 4.45% |
| Q2 2026 | 7.12% | 1.03% | 6.14% | 8.25% | 4.45% |
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 12757) · FFIEC NIC profile (RSSD 513854)