Bank of Western Oklahoma: 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 Q2 2026, Net interest margin rose 0.27 percentage points in Q3 2026 to 5.15%, the biggest move on this page. Within Oklahoma, Bank of Western Oklahoma is 25th of 169 on net interest margin, 5.15% as of Q3 2026, above the middle of the field. Bank of Western Oklahoma reported 5.15% on net interest margin for Q3 2026, 1.20 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 7.29% |
| Yield on loans | 7.95% |
| Yield on securities | 4.26% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 5.15% |
| Yield to cost spread | 4.28% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 8.49% | 2.42% | 6.36% | 9.39% | 3.82% |
| Q1 2024 | 8.48% | 2.58% | 6.19% | 9.16% | 4.27% |
| Q2 2024 | 8.28% | 2.65% | 5.95% | 8.88% | 4.68% |
| Q3 2024 | 8.51% | 2.76% | 6.06% | 9.04% | 4.67% |
| Q4 2024 | 8.00% | 2.92% | 5.40% | 8.49% | 4.76% |
| Q1 2025 | 7.71% | 2.75% | 5.23% | 8.21% | 4.80% |
| Q2 2025 | 8.00% | 2.65% | 5.61% | 8.39% | 4.70% |
| Q3 2025 | 8.02% | 2.68% | 5.59% | 8.35% | 4.52% |
| Q4 2025 | 7.60% | 2.56% | 5.34% | 8.23% | 4.48% |
| Q1 2026 | 7.17% | 2.35% | 5.02% | 7.60% | 4.57% |
| Q2 2026 | 7.04% | 2.38% | 4.88% | 7.63% | 4.47% |
| Q3 2026 | 7.29% | 2.38% | 5.15% | 7.95% | 4.26% |
Bank of Western Oklahoma 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 Western Oklahoma, 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 Western Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4087) · FFIEC NIC profile (RSSD 175056)