The 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: 0.91 percentage points lower than in Q1 2026, at 3.09%. The First State Bank ranks 97th of 169 Oklahoma banks on net interest margin, in the lower half at 4.10% (Q2 2026). The First State Bank reported 4.10% on net interest margin for Q2 2026, 0.16 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 6.99% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 3.23% |
| Cost of interest-bearing liabilities | 3.14% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $821K |
| Interest expense on deposits | $819K |
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 | 6.69% | 2.13% | 4.38% | 7.65% | 2.36% |
| Q4 2023 | 6.92% | 2.42% | 4.51% | 7.76% | 2.48% |
| Q1 2024 | 6.83% | 2.54% | 4.40% | 7.71% | 2.46% |
| Q2 2024 | 6.95% | 2.82% | 4.22% | 7.72% | 2.45% |
| Q3 2024 | 7.17% | 3.13% | 4.20% | 7.87% | 2.46% |
| Q4 2024 | 7.40% | 3.17% | 4.40% | 8.15% | 2.41% |
| Q1 2025 | 7.22% | 2.88% | 4.50% | 8.01% | 2.39% |
| Q2 2025 | 6.95% | 2.78% | 4.35% | 7.67% | 2.37% |
| Q3 2025 | 7.06% | 2.75% | 4.48% | 7.77% | 2.37% |
| Q4 2025 | 6.79% | 2.60% | 4.29% | 7.41% | 2.45% |
| Q1 2026 | 6.42% | 2.44% | 4.16% | 7.12% | 2.44% |
| Q2 2026 | 6.31% | 2.31% | 4.10% | 6.99% | 2.46% |
The 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 The 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2301) · FFIEC NIC profile (RSSD 141350)