FirstBank: 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 Cost of borrowings, which rose 0.37 percentage points to 7.93%. FirstBank ranks 22nd of 169 Oklahoma banks on net interest margin, in the upper half at 5.18% (Q2 2026). FirstBank reported 5.18% on net interest margin for Q2 2026, 1.24 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 8.19% |
| Yield on securities | 3.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 7.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.18% |
| Yield to cost spread | 4.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 | 6.56% | 1.12% | 5.48% | 7.34% | 2.91% |
| Q4 2023 | 6.70% | 1.52% | 5.26% | 7.50% | 2.92% |
| Q1 2024 | 6.73% | 1.71% | 5.10% | 7.64% | 2.95% |
| Q2 2024 | 7.00% | 1.82% | 5.28% | 7.90% | 3.22% |
| Q3 2024 | 7.13% | 1.88% | 5.36% | 8.11% | 3.35% |
| Q4 2024 | 7.01% | 1.80% | 5.32% | 8.16% | 3.38% |
| Q1 2025 | 6.79% | 1.65% | 5.22% | 8.05% | 3.40% |
| Q2 2025 | 6.91% | 1.64% | 5.35% | 8.17% | 3.50% |
| Q3 2025 | 7.03% | 1.70% | 5.43% | 8.35% | 3.83% |
| Q4 2025 | 6.94% | 1.69% | 5.35% | 8.31% | 3.93% |
| Q1 2026 | 6.64% | 1.65% | 5.07% | 8.20% | 3.92% |
| Q2 2026 | 6.68% | 1.59% | 5.18% | 8.19% | 3.94% |
FirstBank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank, 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 FirstBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14331) · FFIEC NIC profile (RSSD 296456)