Avb 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 rose 0.23 percentage points from Q1 2026 to Q2 2026, ending at 4.27% against 4.04%. It was the largest change among the key lines on this page. Avb Bank ranks 82nd of 169 Oklahoma banks on net interest margin, in the upper half at 4.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Avb Bank sits 0.33 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 6.53% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 3.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 | 5.03% | 1.29% | 3.84% | 5.96% | 1.79% |
| Q4 2023 | 5.16% | 1.67% | 3.61% | 6.05% | 1.83% |
| Q1 2024 | 5.50% | 2.15% | 3.47% | 6.35% | 1.83% |
| Q2 2024 | 5.62% | 2.23% | 3.53% | 6.43% | 1.86% |
| Q3 2024 | 5.78% | 2.22% | 3.71% | 6.62% | 1.86% |
| Q4 2024 | 5.85% | 2.13% | 3.87% | 6.66% | 1.94% |
| Q1 2025 | 5.62% | 1.83% | 3.91% | 6.41% | 1.97% |
| Q2 2025 | 5.93% | 1.74% | 4.31% | 6.64% | 2.13% |
| Q3 2025 | 6.06% | 1.89% | 4.30% | 6.75% | 2.36% |
| Q4 2025 | 6.02% | 1.85% | 4.31% | 6.75% | 2.40% |
| Q1 2026 | 5.64% | 1.71% | 4.04% | 6.41% | 2.63% |
| Q2 2026 | 5.84% | 1.68% | 4.27% | 6.53% | 2.84% |
Avb 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 Avb 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 Avb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2326) · FFIEC NIC profile (RSSD 262059)