First United Bank and Trust Company: 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.
In Q2 2026, Total interest expense edged up by 2.4%, from $84.2M to $86.3M, the largest move among the key lines here. Within Oklahoma, First United Bank and Trust Company is 137th of 169 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. At 3.61%, First United Bank and Trust Company's net interest margin is close to the 3.60% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.20% |
| Yield on securities | 4.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $196.3M |
| Total interest expense | $86.3M |
| Interest expense on deposits | $71.6M |
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 | 5.78% | 2.25% | 3.21% | 6.11% | 3.75% |
| Q4 2023 | 5.88% | 2.42% | 3.13% | 6.21% | 3.78% |
| Q1 2024 | 5.96% | 2.55% | 3.08% | 6.20% | 4.12% |
| Q2 2024 | 6.11% | 2.59% | 3.19% | 6.41% | 3.91% |
| Q3 2024 | 6.32% | 2.61% | 3.37% | 6.62% | 4.36% |
| Q4 2024 | 6.11% | 2.40% | 3.42% | 6.41% | 4.35% |
| Q1 2025 | 5.96% | 2.64% | 3.41% | 6.26% | 4.37% |
| Q2 2025 | 5.98% | 2.69% | 3.38% | 6.27% | 4.36% |
| Q3 2025 | 6.13% | 2.69% | 3.53% | 6.44% | 4.52% |
| Q4 2025 | 6.04% | 2.53% | 3.59% | 6.31% | 4.73% |
| Q1 2026 | 5.80% | 2.31% | 3.56% | 6.09% | 4.30% |
| Q2 2026 | 5.87% | 2.34% | 3.61% | 6.20% | 4.17% |
First United Bank and Trust Company 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 United Bank and Trust Company, 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 United Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4239) · FFIEC NIC profile (RSSD 509950)