Ameristate 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.
Yield on securities climbed 1.36 percentage points in Q2 2026, from 4.47% to 5.83%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Ameristate Bank is 17th of 169 on net interest margin, 5.34% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Ameristate Bank sits 1.39 points higher, at 5.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.83% |
| Yield on loans | 7.51% |
| Yield on securities | 5.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 2.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.34% |
| Yield to cost spread | 4.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 6.20% | 1.73% | 4.72% | 6.82% | 2.20% |
| Q4 2023 | 6.59% | 2.12% | 4.78% | 7.20% | 2.78% |
| Q1 2024 | 6.43% | 2.21% | 4.45% | 7.10% | 2.87% |
| Q2 2024 | 6.82% | 2.20% | 4.84% | 7.25% | 3.25% |
| Q3 2024 | 6.74% | 2.28% | 4.69% | 7.45% | 3.75% |
| Q4 2024 | 6.93% | 2.15% | 4.99% | 7.58% | 3.98% |
| Q1 2025 | 6.81% | 2.05% | 4.98% | 7.56% | 4.51% |
| Q2 2025 | 6.95% | 2.09% | 5.16% | 7.59% | 4.51% |
| Q3 2025 | 6.99% | 2.22% | 5.13% | 7.70% | 5.31% |
| Q4 2025 | 6.77% | 2.06% | 4.96% | 7.47% | 4.32% |
| Q1 2026 | 6.43% | 1.83% | 4.87% | 7.21% | 4.47% |
| Q2 2026 | 6.83% | 1.71% | 5.34% | 7.51% | 5.83% |
Ameristate 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 Ameristate 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 Ameristate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15510) · FFIEC NIC profile (RSSD 508355)