FNB Community 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 Net interest margin, which rose 0.33 percentage points to 3.98%. FNB Community Bank ranks 112th of 169 Oklahoma banks on net interest margin, in the lower half at 3.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; FNB Community Bank reported 3.98% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 6.01% |
| Yield on securities | 2.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.83% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $920K |
| Interest expense on deposits | $920K |
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 | 4.11% | 0.94% | 3.23% | 5.61% | 2.10% |
| Q4 2023 | 4.10% | 1.09% | 3.08% | 5.56% | 2.14% |
| Q1 2024 | 4.19% | 1.16% | 3.09% | 5.42% | 2.36% |
| Q2 2024 | 4.34% | 1.21% | 3.17% | 5.62% | 2.15% |
| Q3 2024 | 4.46% | 1.18% | 3.33% | 5.81% | 2.15% |
| Q4 2024 | 4.39% | 0.98% | 3.45% | 5.76% | 2.10% |
| Q1 2025 | 4.36% | 1.12% | 3.34% | 5.60% | 2.38% |
| Q2 2025 | 4.48% | 1.10% | 3.47% | 5.84% | 2.04% |
| Q3 2025 | 4.53% | 1.11% | 3.52% | 5.87% | 1.96% |
| Q4 2025 | 4.56% | 1.05% | 3.59% | 5.85% | 2.00% |
| Q1 2026 | 4.44% | 0.84% | 3.65% | 5.56% | 2.45% |
| Q2 2026 | 4.76% | 0.83% | 3.98% | 6.01% | 2.22% |
FNB Community 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 FNB Community 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 FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16127) · FFIEC NIC profile (RSSD 839255)