Bank of Commerce: 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: 5.64 percentage points lower than in Q1 2026, at 2.63%. Within Oklahoma, Bank of Commerce is 129th of 169 on net interest margin, 3.72% 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. Bank of Commerce sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 7.31% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.67% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 2.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 6.33% | 3.15% | 3.54% | 7.24% | 1.59% |
| Q4 2023 | 6.91% | 3.31% | 3.86% | 7.84% | 1.69% |
| Q1 2024 | 6.67% | 3.73% | 3.17% | 7.57% | 1.71% |
| Q2 2024 | 6.76% | 3.70% | 3.29% | 7.69% | 1.70% |
| Q3 2024 | 6.62% | 3.59% | 3.18% | 7.46% | 1.70% |
| Q4 2024 | 6.84% | 3.36% | 3.61% | 7.77% | 1.84% |
| Q1 2025 | 6.46% | 3.34% | 3.30% | 7.46% | 1.61% |
| Q2 2025 | 6.71% | 3.68% | 3.24% | 7.41% | 2.00% |
| Q3 2025 | 7.07% | 3.47% | 3.65% | 7.99% | 1.99% |
| Q4 2025 | 8.19% | 3.21% | 5.03% | 9.77% | 1.89% |
| Q1 2026 | 6.05% | 2.86% | 3.40% | 7.13% | 2.74% |
| Q2 2026 | 6.27% | 2.67% | 3.72% | 7.31% | 2.89% |
Bank of Commerce 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 of Commerce, 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 of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57491) · FFIEC NIC profile (RSSD 3134698)