FSNB, N.A.: 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 fell 0.51 percentage points to 1.50%. FSNB, N.A. ranks 95th of 169 Oklahoma banks on net interest margin, in the lower half at 4.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. FSNB, N.A. sits 0.22 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.45% |
| Yield on loans | 4.73% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.30% |
| Cost of interest-bearing deposits | 0.30% |
| Cost of interest-bearing liabilities | 0.32% |
| Cost of borrowings | 1.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $288K |
| Interest expense on deposits | $268K |
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 | 4.20% | 0.32% | 3.90% | 4.02% | 4.31% |
| Q4 2023 | 4.32% | 0.34% | 4.01% | 4.26% | 4.36% |
| Q1 2024 | 4.32% | 0.37% | 3.97% | 4.29% | 4.36% |
| Q2 2024 | 4.34% | 0.28% | 4.08% | 4.29% | 4.37% |
| Q3 2024 | 4.38% | 0.30% | 4.10% | 4.41% | 4.36% |
| Q4 2024 | 4.37% | 0.33% | 4.06% | 4.63% | 4.23% |
| Q1 2025 | 4.30% | 0.31% | 4.02% | 4.58% | 4.21% |
| Q2 2025 | 4.40% | 0.33% | 4.10% | 4.66% | 4.27% |
| Q3 2025 | 4.61% | 0.39% | 4.25% | 5.18% | 4.32% |
| Q4 2025 | 4.47% | 0.34% | 4.15% | 4.77% | 4.36% |
| Q1 2026 | 4.36% | 0.31% | 4.07% | 4.60% | 4.31% |
| Q2 2026 | 4.45% | 0.30% | 4.17% | 4.73% | 4.35% |
FSNB, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FSNB, N.A., 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 FSNB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16416) · FFIEC NIC profile (RSSD 125154)