Bank OZK: 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.
In Q2 2026, Yield on securities edged up by 0.16 percentage points, from 4.30% to 4.46%, the largest move among the key lines here. Bank OZK ranks 35th of 78 Arkansas banks on net interest margin, in the upper half at 4.13% (Q2 2026). Bank OZK reported 4.13% on net interest margin for Q2 2026, 0.53 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.65% |
| Yield on loans | 7.15% |
| Yield on securities | 4.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 3.16% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $587.0M |
| Total interest expense | $242.9M |
| Interest expense on deposits | $237.0M |
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 | 7.72% | 2.62% | 5.03% | 8.65% | 2.42% |
| Q4 2023 | 7.78% | 2.97% | 4.78% | 8.71% | 2.55% |
| Q1 2024 | 7.76% | 3.15% | 4.61% | 8.65% | 2.68% |
| Q2 2024 | 7.84% | 3.28% | 4.57% | 8.71% | 2.80% |
| Q3 2024 | 7.84% | 3.40% | 4.49% | 8.70% | 2.86% |
| Q4 2024 | 7.44% | 3.25% | 4.28% | 8.22% | 3.14% |
| Q1 2025 | 7.05% | 2.96% | 4.17% | 7.68% | 3.80% |
| Q2 2025 | 7.16% | 2.95% | 4.27% | 7.76% | 4.06% |
| Q3 2025 | 7.20% | 2.97% | 4.30% | 7.81% | 4.09% |
| Q4 2025 | 7.01% | 2.82% | 4.27% | 7.56% | 4.35% |
| Q1 2026 | 6.59% | 2.61% | 4.06% | 7.14% | 4.30% |
| Q2 2026 | 6.65% | 2.60% | 4.13% | 7.15% | 4.46% |
Bank OZK 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 OZK, 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 OZK profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 110) · FFIEC NIC profile (RSSD 107244)