Bank of Hydro: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.10 percentage points between Q1 2026 and Q2 2026, to 5.06%. Bank of Hydro ranks 28th of 169 Oklahoma banks on net interest margin, in the upper half at 5.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Hydro sits 1.11 points higher, at 5.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.27% |
| Yield on loans | 7.66% |
| Yield on securities | 3.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 3.29% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $948K |
| Interest expense on deposits | $948K |
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 | 7.20% | 2.59% | 4.86% | 7.34% | 3.80% |
| Q4 2023 | 7.78% | 2.68% | 5.36% | 7.90% | 3.33% |
| Q1 2024 | 7.92% | 2.77% | 5.48% | 8.13% | 3.47% |
| Q2 2024 | 8.06% | 2.81% | 5.58% | 8.29% | 3.73% |
| Q3 2024 | 8.22% | 2.30% | 6.20% | 8.48% | 3.87% |
| Q4 2024 | 7.71% | 3.28% | 4.63% | 8.42% | 3.73% |
| Q1 2025 | 7.33% | 2.68% | 4.84% | 8.08% | 3.73% |
| Q2 2025 | 7.72% | 2.72% | 5.35% | 8.13% | 3.73% |
| Q3 2025 | 7.80% | 2.74% | 5.43% | 8.12% | 3.73% |
| Q4 2025 | 7.81% | 2.69% | 5.48% | 8.03% | 3.60% |
| Q1 2026 | 7.37% | 2.55% | 5.16% | 7.69% | 3.33% |
| Q2 2026 | 7.27% | 2.52% | 5.06% | 7.66% | 3.47% |
Bank of Hydro 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 Hydro, 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 Hydro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10674) · FFIEC NIC profile (RSSD 291059)