Panhandle First 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 Yield on loans, which rose 0.27 percentage points to 8.47%. Within Oklahoma, Panhandle First Bank is 33rd of 169 on net interest margin, 4.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Panhandle First Bank sits 0.99 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.87% |
| Yield on loans | 8.47% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 0.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.6M |
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 | 5.61% | 1.53% | 4.26% | 7.40% | 2.33% |
| Q4 2023 | 5.92% | 1.77% | 4.36% | 7.69% | 2.40% |
| Q1 2024 | 6.15% | 2.03% | 4.34% | 7.92% | 2.38% |
| Q2 2024 | 7.08% | 3.07% | 4.52% | 8.71% | 3.00% |
| Q3 2024 | 7.57% | 2.62% | 5.20% | 8.71% | 4.18% |
| Q4 2024 | 7.15% | 2.52% | 4.89% | 8.26% | 4.13% |
| Q1 2025 | 6.86% | 2.48% | 4.64% | 7.86% | 4.09% |
| Q2 2025 | 6.86% | 2.45% | 4.68% | 7.88% | 4.01% |
| Q3 2025 | 6.93% | 2.39% | 4.78% | 7.99% | 4.07% |
| Q4 2025 | 6.90% | 2.32% | 4.84% | 8.16% | 4.02% |
| Q1 2026 | 6.80% | 2.21% | 4.82% | 8.20% | 4.11% |
| Q2 2026 | 6.87% | 2.18% | 4.93% | 8.47% | 4.00% |
Panhandle First 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 Panhandle First 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 Panhandle First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22340) · FFIEC NIC profile (RSSD 192857)