Firstoak 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.
In Q2 2026, Yield on securities edged up by 0.15 percentage points, from 3.36% to 3.51%, the largest move among the key lines here. Among 182 Kansas banks, Firstoak Bank sits 9th from the top on net interest margin, 5.12% as of Q2 2026. Firstoak Bank reported 5.12% on net interest margin for Q2 2026, 1.18 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 6.96% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.12% |
| Yield to cost spread | 4.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $747K |
| Interest expense on deposits | $748K |
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 | 5.87% | 1.03% | 4.90% | 6.36% | 1.80% |
| Q4 2023 | 6.38% | 1.22% | 5.24% | 6.82% | 2.73% |
| Q1 2024 | 6.23% | 1.40% | 4.91% | 6.74% | 2.35% |
| Q2 2024 | 6.42% | 1.55% | 4.96% | 6.92% | 2.10% |
| Q3 2024 | 6.61% | 1.75% | 4.96% | 7.11% | 2.70% |
| Q4 2024 | 6.58% | 1.70% | 4.99% | 7.10% | 2.63% |
| Q1 2025 | 6.37% | 1.59% | 4.87% | 6.87% | 2.86% |
| Q2 2025 | 6.58% | 1.53% | 5.13% | 7.09% | 3.07% |
| Q3 2025 | 6.63% | 1.46% | 5.26% | 7.20% | 3.16% |
| Q4 2025 | 6.61% | 1.40% | 5.31% | 7.13% | 3.80% |
| Q1 2026 | 6.38% | 1.44% | 5.11% | 6.96% | 3.36% |
| Q2 2026 | 6.42% | 1.52% | 5.12% | 6.96% | 3.51% |
Firstoak 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 Firstoak 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 Firstoak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4660) · FFIEC NIC profile (RSSD 916857)