Bank of Grand Lake: 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.
Cost of borrowings climbed 5.92 percentage points in Q2 2026, from 0.16% to 6.08%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Bank of Grand Lake is 134th of 169 on net interest margin, 3.66% as of Q2 2026, below the middle of the field. Bank of Grand Lake reported 3.66% on net interest margin for Q2 2026, 0.29 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.19% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 6.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $979K |
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 | 4.75% | 1.54% | 3.29% | 5.41% | 3.55% |
| Q4 2023 | 5.05% | 1.68% | 3.43% | 5.79% | 3.37% |
| Q1 2024 | 5.09% | 1.93% | 3.23% | 5.85% | 3.53% |
| Q2 2024 | 5.38% | 1.93% | 3.52% | 6.00% | 3.79% |
| Q3 2024 | 5.24% | 2.02% | 3.39% | 5.78% | 3.98% |
| Q4 2024 | 5.24% | 2.01% | 3.40% | 5.83% | 4.01% |
| Q1 2025 | 5.32% | 2.39% | 3.55% | 6.13% | 4.10% |
| Q2 2025 | 5.08% | 1.81% | 3.43% | 5.81% | 3.57% |
| Q3 2025 | 5.55% | 2.00% | 3.79% | 6.65% | 3.86% |
| Q4 2025 | 5.53% | 1.81% | 3.87% | 6.32% | 3.90% |
| Q1 2026 | 5.35% | 1.79% | 3.70% | 6.15% | 3.90% |
| Q2 2026 | 5.38% | 1.89% | 3.66% | 6.19% | 3.90% |
Bank of Grand Lake 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 Grand Lake, 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 Grand Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57915) · FFIEC NIC profile (RSSD 3286999)