Bank of Eufaula: 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.
Compared with Q1 2026, Yield on loans fell 0.41 percentage points in Q2 2026 to 6.88%, the biggest move on this page. Bank of Eufaula ranks 142nd of 169 Oklahoma banks on net interest margin, in the lower half at 3.55% (Q2 2026). Bank of Eufaula reported 3.55% on net interest margin for Q2 2026, 0.34 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.07% |
| Yield on loans | 6.88% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.53% |
| Cost of interest-bearing deposits | 0.84% |
| Cost of interest-bearing liabilities | 0.84% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $396K |
| Total interest expense | $101K |
| Interest expense on deposits | $101K |
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 | 3.80% | 0.34% | 3.46% | 6.74% | 1.87% |
| Q4 2023 | 4.17% | 0.39% | 3.78% | 7.74% | 1.90% |
| Q1 2024 | 3.48% | 0.40% | 3.09% | 6.09% | 1.83% |
| Q2 2024 | 3.63% | 0.39% | 3.24% | 6.54% | 1.97% |
| Q3 2024 | 3.55% | 0.37% | 3.17% | 6.42% | 1.94% |
| Q4 2024 | 3.72% | 0.35% | 3.36% | 6.86% | 1.95% |
| Q1 2025 | 3.54% | 0.34% | 3.20% | 6.25% | 2.24% |
| Q2 2025 | 3.96% | 0.34% | 3.62% | 7.70% | 2.34% |
| Q3 2025 | 3.75% | 0.39% | 3.37% | 6.61% | 2.56% |
| Q4 2025 | 3.98% | 0.61% | 3.39% | 7.05% | 2.67% |
| Q1 2026 | 4.07% | 0.54% | 3.54% | 7.29% | 2.70% |
| Q2 2026 | 4.07% | 0.53% | 3.55% | 6.88% | 2.86% |
Bank of Eufaula 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 Eufaula, 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 Eufaula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4094) · FFIEC NIC profile (RSSD 343051)