FNB Coweta: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 4.52%. FNB Coweta ranks 57th of 169 Oklahoma banks on net interest margin, in the upper half at 4.52% (Q2 2026). FNB Coweta reported 4.52% on net interest margin for Q2 2026, 0.57 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 7.22% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.12% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $320K |
| Interest expense on deposits | $320K |
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 | 4.18% | 0.47% | 3.73% | 6.07% | 2.63% |
| Q4 2023 | 4.43% | 0.59% | 3.84% | 6.43% | 2.44% |
| Q1 2024 | 4.49% | 0.70% | 3.82% | 6.45% | 2.48% |
| Q2 2024 | 4.41% | 0.86% | 3.60% | 6.42% | 2.52% |
| Q3 2024 | 4.65% | 0.96% | 3.73% | 6.30% | 2.80% |
| Q4 2024 | 5.24% | 0.99% | 4.28% | 7.00% | 3.24% |
| Q1 2025 | 5.60% | 1.09% | 4.48% | 7.06% | 3.79% |
| Q2 2025 | 5.54% | 1.17% | 4.40% | 7.09% | 3.56% |
| Q3 2025 | 5.54% | 1.23% | 4.42% | 7.34% | 3.21% |
| Q4 2025 | 5.66% | 1.28% | 4.53% | 7.39% | 3.48% |
| Q1 2026 | 5.47% | 1.17% | 4.41% | 7.02% | 3.39% |
| Q2 2026 | 5.56% | 1.12% | 4.52% | 7.22% | 3.30% |
FNB Coweta 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 Coweta, 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 Coweta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4071) · FFIEC NIC profile (RSSD 61953)