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.
Net interest margin climbed 0.76 percentage points in Q2 2026, from 3.54% to 4.30%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First State Bank is 78th of 169 on net interest margin, 4.30% as of Q2 2026. First State Bank reported 4.30% on net interest margin for Q2 2026, 0.42 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 9.27% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $402K |
| Total interest expense | $153K |
| Interest expense on deposits | $153K |
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 | 5.02% | 0.26% | 4.76% | 8.41% | 3.02% |
| Q4 2023 | 5.21% | 0.71% | 4.51% | 8.50% | 3.30% |
| Q1 2024 | 5.07% | 1.09% | 4.00% | 8.22% | 3.25% |
| Q2 2024 | 5.65% | 1.05% | 4.55% | 9.37% | 3.37% |
| Q3 2024 | 5.15% | 0.99% | 4.16% | 8.38% | 3.17% |
| Q4 2024 | 5.19% | 1.08% | 4.15% | 8.75% | 3.00% |
| Q1 2025 | 4.97% | 1.21% | 3.78% | 8.31% | 3.06% |
| Q2 2025 | 5.39% | 1.06% | 4.25% | 9.51% | 3.17% |
| Q3 2025 | 5.22% | 1.22% | 3.99% | 8.84% | 3.13% |
| Q4 2025 | 5.75% | 1.39% | 4.30% | 9.63% | 3.43% |
| Q1 2026 | 4.91% | 1.41% | 3.54% | 8.24% | 3.07% |
| Q2 2026 | 5.65% | 1.22% | 4.30% | 9.27% | 3.14% |
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 9879) · FFIEC NIC profile (RSSD 99853)