MidFirst 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 standout move of Q2 2026 was in Yield on securities: 0.83 percentage points higher than in Q1 2026, at 5.22%. On net interest margin, MidFirst Bank is 8th from the bottom among 169 Oklahoma banks, 3.05% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.59% on net interest margin. MidFirst Bank sits 0.54 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 5.57% |
| Yield on securities | 5.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.76% |
| Cost of interest-bearing liabilities | 3.06% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $468.5M |
| Total interest expense | $254.5M |
| Interest expense on deposits | $139.5M |
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 | 5.10% | 2.40% | 2.73% | 5.12% | 4.54% |
| Q4 2023 | 5.16% | 2.54% | 2.67% | 5.18% | 4.61% |
| Q1 2024 | 5.22% | 2.60% | 2.66% | 5.25% | 4.60% |
| Q2 2024 | 5.30% | 2.79% | 2.56% | 5.33% | 4.72% |
| Q3 2024 | 5.42% | 2.88% | 2.56% | 5.45% | 4.86% |
| Q4 2024 | 5.41% | 2.79% | 2.66% | 5.45% | 4.84% |
| Q1 2025 | 5.33% | 2.63% | 2.73% | 5.36% | 4.77% |
| Q2 2025 | 5.43% | 2.63% | 2.80% | 5.48% | 4.74% |
| Q3 2025 | 5.50% | 2.65% | 2.84% | 5.56% | 4.83% |
| Q4 2025 | 5.50% | 2.60% | 2.91% | 5.58% | 4.93% |
| Q1 2026 | 5.37% | 2.49% | 2.87% | 5.51% | 4.39% |
| Q2 2026 | 5.55% | 2.49% | 3.05% | 5.57% | 5.22% |
MidFirst 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 MidFirst 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 MidFirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4063) · FFIEC NIC profile (RSSD 595270)