Bank of Oak Ridge: 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 Net interest margin: 0.61 percentage points higher than in Q1 2026, at 4.69%. Within North Carolina, Bank of Oak Ridge is 4th of 38 on net interest margin, 4.69% as of Q2 2026, above the middle of the field. Bank of Oak Ridge reported 4.69% on net interest margin for Q2 2026, 0.74 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.63% |
| Yield on securities | 4.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.1M |
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 | 5.60% | 1.74% | 4.03% | 5.74% | 4.94% |
| Q4 2023 | 5.90% | 2.10% | 4.01% | 6.09% | 4.89% |
| Q1 2024 | 5.90% | 2.18% | 3.93% | 6.14% | 5.18% |
| Q2 2024 | 6.11% | 2.25% | 4.07% | 6.28% | 5.36% |
| Q3 2024 | 6.23% | 2.46% | 3.99% | 6.45% | 5.37% |
| Q4 2024 | 6.18% | 2.28% | 4.10% | 6.46% | 5.00% |
| Q1 2025 | 6.09% | 2.19% | 4.09% | 6.37% | 5.02% |
| Q2 2025 | 6.28% | 2.12% | 4.34% | 6.57% | 4.95% |
| Q3 2025 | 6.36% | 2.11% | 4.42% | 6.62% | 5.30% |
| Q4 2025 | 6.21% | 2.07% | 4.33% | 6.50% | 5.04% |
| Q1 2026 | 5.77% | 1.88% | 4.08% | 6.03% | 4.81% |
| Q2 2026 | 6.29% | 1.78% | 4.69% | 6.63% | 4.79% |
Bank of Oak Ridge 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 Oak Ridge, 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 Oak Ridge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35365) · FFIEC NIC profile (RSSD 2903123)