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 Net interest margin: 0.58 percentage points higher than in Q1 2026, at 5.36%. Among 169 Oklahoma banks, The First State Bank sits 14th from the top on net interest margin, 5.36% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First State Bank sits 1.48 points higher, at 5.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.77% |
| Yield on loans | 7.24% |
| Yield on securities | 5.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.36% |
| Yield to cost spread | 4.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $860K |
| Total interest expense | $200K |
| Interest expense on deposits | $200K |
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 | 6.04% | 1.20% | 4.93% | 7.04% | 2.43% |
| Q4 2023 | 6.25% | 1.34% | 5.01% | 7.15% | 2.92% |
| Q1 2024 | 6.43% | 1.35% | 5.16% | 7.19% | 4.13% |
| Q2 2024 | 6.66% | 1.38% | 5.41% | 7.37% | 4.54% |
| Q3 2024 | 6.95% | 1.44% | 5.64% | 7.50% | 5.51% |
| Q4 2024 | 7.11% | 1.60% | 5.65% | 7.58% | 5.74% |
| Q1 2025 | 6.93% | 1.58% | 5.46% | 7.36% | 5.60% |
| Q2 2025 | 6.93% | 1.59% | 5.48% | 7.41% | 5.67% |
| Q3 2025 | 7.08% | 1.61% | 5.61% | 7.42% | 5.65% |
| Q4 2025 | 7.13% | 1.88% | 5.48% | 7.36% | 5.52% |
| Q1 2026 | 6.70% | 2.39% | 4.78% | 7.04% | 5.58% |
| Q2 2026 | 6.77% | 1.58% | 5.36% | 7.24% | 5.80% |
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 11527) · FFIEC NIC profile (RSSD 644057)