Acb 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.
Cost of borrowings climbed 0.94 percentage points in Q2 2026, from 3.92% to 4.86%. It was the largest change from Q1 2026 among the key lines here. Acb Bank ranks 123rd of 169 Oklahoma banks on net interest margin, in the lower half at 3.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Acb Bank sits 0.16 points lower, at 3.78% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | 6.63% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $733K |
| Interest expense on deposits | $634K |
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 | 5.96% | 2.20% | 3.94% | 6.69% | 2.46% |
| Q4 2023 | 5.68% | 2.81% | 3.06% | 6.30% | 2.49% |
| Q1 2024 | 6.39% | 2.96% | 3.63% | 7.13% | 2.65% |
| Q2 2024 | 6.54% | 3.00% | 3.77% | 7.22% | 2.75% |
| Q3 2024 | 6.47% | 3.01% | 3.65% | 7.19% | 2.81% |
| Q4 2024 | 6.32% | 3.01% | 3.51% | 7.03% | 3.03% |
| Q1 2025 | 6.41% | 2.79% | 3.80% | 7.13% | 3.19% |
| Q2 2025 | 6.58% | 2.66% | 4.12% | 7.36% | 3.26% |
| Q3 2025 | 7.33% | 2.63% | 4.90% | 8.41% | 3.26% |
| Q4 2025 | 7.43% | 2.50% | 5.05% | 8.42% | 3.36% |
| Q1 2026 | 6.44% | 2.28% | 4.22% | 7.18% | 3.42% |
| Q2 2026 | 5.97% | 2.38% | 3.78% | 6.63% | 3.53% |
Acb 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 Acb 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 Acb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4061) · FFIEC NIC profile (RSSD 266253)