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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 4.57%. Within Oklahoma, First State Bank is 55th of 169 on net interest margin, 4.57% as of Q2 2026. First State Bank reported 4.57% on net interest margin for Q2 2026, 0.70 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 8.20% |
| Yield on securities | 2.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $325K |
| Interest expense on deposits | $325K |
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 | 5.65% | 1.14% | 4.46% | 8.04% | 2.15% |
| Q4 2023 | 5.76% | 1.34% | 4.43% | 8.07% | 2.24% |
| Q1 2024 | 5.77% | 1.88% | 4.13% | 8.16% | 2.26% |
| Q2 2024 | 6.23% | 1.88% | 4.52% | 8.20% | 3.28% |
| Q3 2024 | 5.54% | 1.78% | 3.84% | 8.33% | 1.24% |
| Q4 2024 | 5.94% | 1.59% | 4.41% | 8.24% | 2.25% |
| Q1 2025 | 6.30% | 1.66% | 4.68% | 8.13% | 3.84% |
| Q2 2025 | 6.20% | 1.41% | 4.78% | 8.78% | 2.63% |
| Q3 2025 | 6.20% | 1.41% | 4.74% | 8.76% | 2.92% |
| Q4 2025 | 6.32% | 1.64% | 4.87% | 8.39% | 3.00% |
| Q1 2026 | 6.10% | 1.60% | 4.69% | 8.06% | 2.64% |
| Q2 2026 | 6.03% | 1.63% | 4.57% | 8.20% | 2.58% |
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 21752) · FFIEC NIC profile (RSSD 965051)