The First National Bank in Marlow: 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.
Compared with Q1 2026, Yield on loans rose 0.38 percentage points in Q2 2026 to 7.28%, the biggest move on this page. The First National Bank in Marlow ranks 54th of 169 Oklahoma banks on net interest margin, in the upper half at 4.58% (Q2 2026). The First National Bank in Marlow reported 4.58% on net interest margin for Q2 2026, 0.69 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 7.28% |
| Yield on securities | 2.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $867K |
| Total interest expense | $205K |
| Interest expense on deposits | $205K |
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 | 5.33% | 1.06% | 4.29% | 7.15% | 2.13% |
| Q4 2023 | 5.56% | 1.74% | 3.89% | 7.24% | 2.26% |
| Q1 2024 | 5.52% | 2.22% | 3.46% | 7.15% | 2.24% |
| Q2 2024 | 5.60% | 2.04% | 3.72% | 7.14% | 2.30% |
| Q3 2024 | 6.01% | 2.16% | 4.03% | 7.54% | 2.36% |
| Q4 2024 | 6.19% | 2.93% | 3.39% | 7.70% | 2.40% |
| Q1 2025 | 6.02% | 2.18% | 3.93% | 7.40% | 2.39% |
| Q2 2025 | 6.19% | 1.83% | 4.42% | 7.47% | 2.38% |
| Q3 2025 | 5.97% | 1.61% | 4.42% | 7.35% | 2.05% |
| Q4 2025 | 6.14% | 1.49% | 4.72% | 7.37% | 2.09% |
| Q1 2026 | 5.88% | 1.33% | 4.60% | 6.90% | 2.13% |
| Q2 2026 | 5.78% | 1.25% | 4.58% | 7.28% | 2.11% |
The First National Bank in Marlow yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Marlow, 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 The First National Bank in Marlow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26260) · FFIEC NIC profile (RSSD 17259)