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, Net interest margin edged up by 0.07 percentage points, from 3.53% to 3.60%, the largest move among the key lines here. First State Bank ranks 138th of 169 Oklahoma banks on net interest margin, in the lower half at 3.60% (Q2 2026). First State Bank reported 3.60% on net interest margin for Q2 2026, 0.27 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 7.52% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.55% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $982K |
| Total interest expense | $463K |
| Interest expense on deposits | $454K |
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 | 5.88% | 1.83% | 4.19% | 8.05% | 2.01% |
| Q4 2023 | 5.16% | 2.24% | 2.96% | 6.74% | 2.06% |
| Q1 2024 | 5.41% | 1.93% | 3.08% | 7.24% | 1.93% |
| Q2 2024 | 5.71% | 2.48% | 3.25% | 7.65% | 2.09% |
| Q3 2024 | 5.78% | 2.83% | 3.14% | 7.57% | 2.27% |
| Q4 2024 | 5.90% | 2.83% | 3.26% | 7.67% | 2.76% |
| Q1 2025 | 5.64% | 2.72% | 3.10% | 7.44% | 2.51% |
| Q2 2025 | 5.91% | 2.69% | 3.42% | 7.50% | 2.94% |
| Q3 2025 | 5.96% | 2.71% | 3.51% | 7.63% | 2.77% |
| Q4 2025 | 5.91% | 2.57% | 3.54% | 7.61% | 2.86% |
| Q1 2026 | 5.86% | 2.54% | 3.53% | 7.44% | 2.89% |
| Q2 2026 | 5.92% | 2.55% | 3.60% | 7.52% | 2.77% |
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 22448) · FFIEC NIC profile (RSSD 522454)