Arvest 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 3.93%. Arvest Bank ranks 50th of 78 Arkansas banks on net interest margin, in the lower half at 3.93% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Arvest Bank sits 0.33 points higher, at 3.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 6.11% |
| Yield on securities | 1.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $307.6M |
| Total interest expense | $80.7M |
| Interest expense on deposits | $74.8M |
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 | 4.67% | 1.55% | 3.09% | 6.21% | 1.66% |
| Q4 2023 | 4.85% | 1.77% | 3.11% | 6.37% | 1.68% |
| Q1 2024 | 4.91% | 1.50% | 3.24% | 6.35% | 1.69% |
| Q2 2024 | 5.05% | 1.29% | 3.49% | 6.51% | 1.65% |
| Q3 2024 | 5.18% | 1.36% | 3.55% | 6.63% | 1.67% |
| Q4 2024 | 5.16% | 1.34% | 3.56% | 6.47% | 1.79% |
| Q1 2025 | 5.09% | 1.23% | 3.61% | 6.27% | 1.88% |
| Q2 2025 | 5.20% | 1.18% | 3.77% | 6.32% | 2.02% |
| Q3 2025 | 5.32% | 1.18% | 3.89% | 6.42% | 1.95% |
| Q4 2025 | 5.27% | 1.13% | 3.92% | 6.33% | 1.87% |
| Q1 2026 | 5.10% | 1.03% | 3.87% | 6.09% | 1.93% |
| Q2 2026 | 5.14% | 1.00% | 3.93% | 6.11% | 1.98% |
Arvest 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 Arvest 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 Arvest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8728) · FFIEC NIC profile (RSSD 311845)