The Bank of Beaver City: 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.
In Q2 2026, Cost of borrowings edged up by 0.21 percentage points, from 3.83% to 4.04%, the largest move among the key lines here. Within Oklahoma, The Bank of Beaver City is 136th of 169 on net interest margin, 3.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bank of Beaver City sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 7.21% |
| Yield on securities | 2.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $756K |
| Interest expense on deposits | $700K |
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 | 4.44% | 1.62% | 2.93% | 6.28% | 2.06% |
| Q4 2023 | 4.52% | 1.80% | 2.83% | 6.36% | 2.10% |
| Q1 2024 | 4.68% | 2.19% | 2.57% | 6.49% | 2.22% |
| Q2 2024 | 4.82% | 2.21% | 2.73% | 6.64% | 2.09% |
| Q3 2024 | 5.04% | 2.27% | 2.90% | 6.84% | 2.07% |
| Q4 2024 | 5.15% | 2.15% | 3.14% | 7.01% | 2.04% |
| Q1 2025 | 5.13% | 1.99% | 3.25% | 7.00% | 2.05% |
| Q2 2025 | 5.30% | 1.95% | 3.50% | 7.11% | 2.05% |
| Q3 2025 | 5.41% | 1.93% | 3.63% | 7.27% | 2.08% |
| Q4 2025 | 5.51% | 1.89% | 3.75% | 7.32% | 2.07% |
| Q1 2026 | 5.27% | 1.80% | 3.60% | 7.15% | 2.07% |
| Q2 2026 | 5.21% | 1.72% | 3.64% | 7.21% | 2.12% |
The Bank of Beaver City 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 of Beaver City, 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 of Beaver City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11862) · FFIEC NIC profile (RSSD 137456)