Armstrong 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 Total interest expense, which rose 3.1% to $12.8M. Within Oklahoma, Armstrong Bank is 108th of 169 on net interest margin, 3.99% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Armstrong Bank sits 0.28 points higher, at 3.99% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.82% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $33.4M |
| Total interest expense | $12.8M |
| Interest expense on deposits | $12.8M |
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 | 4.31% | 1.82% | 2.34% | 5.16% | 2.62% |
| Q4 2023 | 4.48% | 2.00% | 2.35% | 5.43% | 2.60% |
| Q1 2024 | 4.56% | 2.10% | 2.32% | 5.52% | 2.64% |
| Q2 2024 | 4.87% | 2.11% | 2.65% | 5.82% | 2.88% |
| Q3 2024 | 5.01% | 2.12% | 2.78% | 5.99% | 2.88% |
| Q4 2024 | 5.06% | 1.98% | 2.98% | 6.03% | 2.90% |
| Q1 2025 | 5.06% | 1.87% | 3.08% | 5.99% | 2.89% |
| Q2 2025 | 5.66% | 1.78% | 3.66% | 6.86% | 2.94% |
| Q3 2025 | 5.79% | 1.72% | 3.85% | 6.92% | 2.96% |
| Q4 2025 | 5.86% | 1.69% | 3.96% | 6.88% | 3.01% |
| Q1 2026 | 5.81% | 1.67% | 3.93% | 6.76% | 2.96% |
| Q2 2026 | 5.87% | 1.67% | 3.99% | 6.82% | 2.94% |
Armstrong 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 Armstrong 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 Armstrong Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2315) · FFIEC NIC profile (RSSD 470452)