The Bank, N.A.: 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 standout move of Q2 2026 was in Cost of borrowings: 7.53 percentage points lower than in Q1 2026, at 16.18%. Within Oklahoma, The Bank, N.A. is 78th of 169 on net interest margin, 4.30% 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. The Bank, N.A. sits 0.35 points higher, at 4.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 7.41% |
| Yield on securities | 1.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | 16.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 4.70% | 1.62% | 3.38% | 7.22% | 1.75% |
| Q4 2023 | 4.87% | 1.52% | 3.37% | 7.35% | 1.78% |
| Q1 2024 | 4.93% | 1.61% | 3.33% | 7.36% | 1.79% |
| Q2 2024 | 5.25% | 1.59% | 3.69% | 7.92% | 1.81% |
| Q3 2024 | 5.24% | 1.62% | 3.70% | 7.82% | 1.83% |
| Q4 2024 | 5.17% | 1.54% | 3.67% | 7.70% | 1.84% |
| Q1 2025 | 5.06% | 1.55% | 3.54% | 7.49% | 1.83% |
| Q2 2025 | 5.28% | 1.52% | 3.80% | 7.72% | 1.85% |
| Q3 2025 | 5.42% | 1.52% | 3.96% | 7.73% | 1.88% |
| Q4 2025 | 5.45% | 1.43% | 4.07% | 7.71% | 1.91% |
| Q1 2026 | 5.35% | 1.36% | 4.03% | 7.39% | 1.94% |
| Q2 2026 | 5.60% | 1.34% | 4.30% | 7.41% | 1.97% |
The Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, N.A., 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 The Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4146) · FFIEC NIC profile (RSSD 829050)