F&M 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.
Yield on securities climbed 0.77 percentage points in Q2 2026, from 3.25% to 4.02%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, F&M Bank is 63rd of 169 on net interest margin, 4.42% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. F&M Bank sits 0.47 points higher, at 4.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 6.93% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 3.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.3M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.7M |
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 | 5.25% | 1.38% | 4.02% | 6.58% | 2.23% |
| Q4 2023 | 5.29% | 1.62% | 3.87% | 6.56% | 2.36% |
| Q1 2024 | 5.63% | 2.11% | 3.86% | 6.83% | 2.44% |
| Q2 2024 | 5.73% | 2.12% | 3.78% | 6.83% | 2.63% |
| Q3 2024 | 5.84% | 2.18% | 3.86% | 6.84% | 2.88% |
| Q4 2024 | 5.91% | 2.28% | 3.86% | 6.74% | 2.90% |
| Q1 2025 | 5.98% | 1.97% | 4.17% | 6.92% | 2.93% |
| Q2 2025 | 6.21% | 1.90% | 4.47% | 7.04% | 3.12% |
| Q3 2025 | 5.89% | 1.96% | 4.20% | 6.53% | 3.35% |
| Q4 2025 | 6.23% | 1.92% | 4.50% | 6.95% | 3.37% |
| Q1 2026 | 5.88% | 1.87% | 4.19% | 6.67% | 3.25% |
| Q2 2026 | 6.19% | 1.92% | 4.42% | 6.93% | 4.02% |
F&M 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 F&M 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 F&M Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12761) · FFIEC NIC profile (RSSD 163857)