All America 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.
Net interest margin fell 0.26 percentage points from Q1 2026 to Q2 2026, ending at 3.73% against 3.99%. It was the largest change among the key lines on this page. All America Bank ranks 128th of 169 Oklahoma banks on net interest margin, in the lower half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. All America Bank sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 6.82% |
| Yield on securities | 4.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 | 6.48% | 2.93% | 3.38% | 6.99% | 3.57% |
| Q4 2023 | 6.38% | 3.05% | 3.23% | 6.74% | 3.65% |
| Q1 2024 | 6.89% | 3.45% | 3.71% | 7.24% | 3.46% |
| Q2 2024 | 6.63% | 3.44% | 3.46% | 7.03% | 3.53% |
| Q3 2024 | 6.68% | 3.43% | 3.52% | 7.11% | 4.22% |
| Q4 2024 | 6.76% | 3.21% | 3.82% | 7.21% | 4.50% |
| Q1 2025 | 6.92% | 3.13% | 4.05% | 7.35% | 4.57% |
| Q2 2025 | 6.18% | 3.05% | 3.36% | 6.62% | 4.55% |
| Q3 2025 | 6.53% | 2.88% | 3.89% | 7.09% | 4.58% |
| Q4 2025 | 6.52% | 2.85% | 3.92% | 7.06% | 4.74% |
| Q1 2026 | 6.52% | 2.77% | 3.99% | 7.01% | 4.70% |
| Q2 2026 | 6.26% | 2.77% | 3.73% | 6.82% | 4.72% |
All America 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 All America 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 All America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20093) · FFIEC NIC profile (RSSD 25357)