First Summit 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.
Open the full net interest margin analysis: the yield and margin contribution of each earning asset, the cost of each kind of funding, what moved the margin, and peers measured the same way.
The biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged down 0.13 percentage points between Q1 2026 and Q2 2026, to 2.03%. First Summit Bank ranks 44th of 169 Oklahoma banks on net interest margin, in the upper half at 4.76% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. First Summit Bank sits 0.88 points higher, at 4.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 7.87% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.76% |
| Yield to cost spread | 4.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $366K |
| Total interest expense | $118K |
| Interest expense on deposits | $118K |
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 | 6.89% | 1.23% | 5.67% | 7.41% | 7.14% |
| Q4 2023 | 7.12% | 1.49% | 5.64% | 7.68% | 6.96% |
| Q1 2024 | 7.61% | 1.65% | 5.94% | 8.25% | 17.65% |
| Q2 2024 | 7.61% | 1.82% | 5.79% | 8.45% | 22.22% |
| Q3 2024 | 7.77% | 1.91% | 5.87% | 8.61% | 21.05% |
| Q4 2024 | 7.36% | 1.81% | 5.62% | 8.71% | 0.00% |
| Q1 2025 | 7.15% | 1.75% | 5.46% | 8.61% | 0.00% |
| Q2 2025 | 6.97% | 1.82% | 5.25% | 8.56% | 21.05% |
| Q3 2025 | 6.98% | 1.85% | 5.17% | 8.72% | 0.00% |
| Q4 2025 | 5.54% | 1.78% | 3.81% | 6.64% | 0.00% |
| Q1 2026 | 6.37% | 1.69% | 4.71% | 7.99% | 0.00% |
| Q2 2026 | 6.31% | 1.62% | 4.76% | 7.87% | 0.00% |
First Summit 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 Summit 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 Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 399) · FFIEC NIC profile (RSSD 514356)