Bank 360: 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 0.29 percentage points from Q1 2026 to Q2 2026, ending at 5.04% against 4.75%. It was the largest change among the key lines on this page. Bank 360 ranks 29th of 169 Oklahoma banks on net interest margin, in the upper half at 5.04% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Bank 360 sits 1.17 points higher, at 5.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.59% |
| Yield on loans | 7.99% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.42% |
| Cost of interest-bearing liabilities | 3.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.04% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $377K |
| Interest expense on deposits | $361K |
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 | 7.94% | 3.40% | 4.86% | 8.35% | 0.00% |
| Q4 2023 | 7.90% | 3.59% | 4.66% | 8.14% | 0.00% |
| Q1 2024 | 8.42% | 3.71% | 5.01% | 8.75% | 0.00% |
| Q2 2024 | 8.24% | 3.76% | 4.85% | 8.72% | 0.00% |
| Q3 2024 | 8.26% | 3.83% | 4.76% | 8.82% | 0.00% |
| Q4 2024 | 8.15% | 3.63% | 4.84% | 8.85% | 0.00% |
| Q1 2025 | 8.05% | 3.18% | 5.16% | 9.45% | 0.00% |
| Q2 2025 | 7.90% | 3.58% | 4.78% | 8.41% | 0.00% |
| Q3 2025 | 7.31% | 3.17% | 4.47% | 8.09% | 0.00% |
| Q4 2025 | 7.21% | 3.10% | 4.42% | 7.95% | 0.00% |
| Q1 2026 | 7.19% | 2.74% | 4.75% | 7.79% | 0.00% |
| Q2 2026 | 7.59% | 2.90% | 5.04% | 7.99% | 0.00% |
Bank 360 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 360, 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 Bank 360 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9875) · FFIEC NIC profile (RSSD 464853)