Firstar 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 6.4% to $5.2M. Within Oklahoma, Firstar Bank is 48th of 169 on net interest margin, 4.70% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Firstar Bank sits 0.99 points higher, at 4.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.49% |
| Yield on loans | 7.47% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.1M |
| Total interest expense | $5.2M |
| Interest expense on deposits | $5.2M |
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 | 6.57% | 2.47% | 4.20% | 6.99% | 2.40% |
| Q4 2023 | 6.83% | 2.67% | 4.25% | 7.30% | 2.19% |
| Q1 2024 | 6.89% | 2.77% | 4.22% | 7.40% | 2.20% |
| Q2 2024 | 6.86% | 2.68% | 4.35% | 7.64% | 2.46% |
| Q3 2024 | 7.31% | 2.54% | 4.90% | 7.92% | 2.63% |
| Q4 2024 | 7.23% | 2.28% | 5.04% | 7.86% | 3.12% |
| Q1 2025 | 6.94% | 2.01% | 5.00% | 7.61% | 3.05% |
| Q2 2025 | 7.10% | 1.90% | 5.26% | 7.78% | 3.11% |
| Q3 2025 | 7.24% | 1.93% | 5.39% | 7.86% | 3.25% |
| Q4 2025 | 7.08% | 1.83% | 5.34% | 7.66% | 3.33% |
| Q1 2026 | 6.63% | 1.83% | 4.88% | 7.43% | 3.30% |
| Q2 2026 | 6.49% | 1.87% | 4.70% | 7.47% | 3.29% |
Firstar 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 Firstar 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 Firstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19288) · FFIEC NIC profile (RSSD 427353)