BANK7: 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: 0.40 percentage points lower than in Q1 2026, at 4.81%. Within Oklahoma, BANK7 is 40th of 169 on net interest margin, 4.81% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. BANK7 sits 1.10 points higher, at 4.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.78% |
| Yield on loans | 7.30% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.81% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.0M |
| Total interest expense | $9.0M |
| Interest expense on deposits | $9.0M |
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 | 7.47% | 2.38% | 4.89% | 8.58% | 1.67% |
| Q4 2023 | 7.42% | 2.80% | 4.88% | 8.43% | 1.65% |
| Q1 2024 | 7.74% | 2.86% | 5.12% | 8.80% | 2.35% |
| Q2 2024 | 7.84% | 2.99% | 5.13% | 8.54% | 3.01% |
| Q3 2024 | 7.98% | 3.25% | 5.05% | 8.68% | 1.81% |
| Q4 2024 | 7.68% | 2.86% | 5.16% | 8.32% | 1.62% |
| Q1 2025 | 7.17% | 2.54% | 4.91% | 7.82% | 1.85% |
| Q2 2025 | 7.24% | 2.57% | 4.95% | 8.00% | 1.87% |
| Q3 2025 | 7.50% | 2.66% | 5.12% | 8.18% | 1.84% |
| Q4 2025 | 7.09% | 2.53% | 4.81% | 7.72% | 1.89% |
| Q1 2026 | 7.27% | 2.31% | 5.21% | 7.92% | 1.89% |
| Q2 2026 | 6.78% | 2.26% | 4.81% | 7.30% | 1.92% |
BANK7 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK7, 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 BANK7 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4147) · FFIEC NIC profile (RSSD 18854)