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.
Cost of borrowings dropped 3.93 percentage points in Q2 2026, from 3.93% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Bank of Oak Ridge is 51st of 103 on net interest margin, 4.27% as of Q2 2026, above the middle of the field. Bank of Oak Ridge reported 4.27% on net interest margin for Q2 2026, 0.32 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 7.11% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $723K |
| Interest expense on deposits | $723K |
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 | 5.55% | 2.63% | 3.23% | 5.83% | 1.43% |
| Q4 2023 | 6.03% | 2.87% | 3.50% | 6.35% | 1.43% |
| Q1 2024 | 6.08% | 2.82% | 3.53% | 6.17% | 1.43% |
| Q2 2024 | 6.19% | 2.99% | 3.49% | 6.40% | 1.50% |
| Q3 2024 | 6.27% | 3.20% | 3.46% | 6.73% | 2.20% |
| Q4 2024 | 6.63% | 2.86% | 4.01% | 7.02% | 2.74% |
| Q1 2025 | 6.24% | 2.74% | 3.76% | 6.74% | 3.10% |
| Q2 2025 | 6.39% | 2.76% | 3.93% | 6.80% | 3.00% |
| Q3 2025 | 6.94% | 2.80% | 4.43% | 7.58% | 2.97% |
| Q4 2025 | 6.63% | 2.51% | 4.37% | 7.14% | 3.10% |
| Q1 2026 | 6.11% | 2.32% | 3.95% | 6.71% | 2.91% |
| Q2 2026 | 6.41% | 2.18% | 4.27% | 7.11% | 3.16% |
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 21529) · FFIEC NIC profile (RSSD 687054)