The Bankers Bank: 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 Q1 2026, Yield to cost spread fell 0.35 percentage points in Q2 2026 to 2.48%, the biggest move on this page. Within Oklahoma, The Bankers Bank is 123rd of 169 on net interest margin, 3.78% as of Q2 2026, below the middle of the field. The Bankers Bank reported 3.78% on net interest margin for Q2 2026, 0.17 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.82% |
| Cost of interest-bearing deposits | 3.88% |
| Cost of interest-bearing liabilities | 3.88% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.7M |
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 |
|---|---|---|---|
| Q3 2023 | 6.16% | 2.88% | 3.57% |
| Q4 2023 | 6.69% | 3.19% | 3.83% |
| Q1 2024 | 6.69% | 3.12% | 3.85% |
| Q2 2024 | 6.61% | 3.18% | 3.71% |
| Q3 2024 | 6.84% | 3.25% | 3.90% |
| Q4 2024 | 6.78% | 3.00% | 3.96% |
| Q1 2025 | 6.68% | 2.83% | 4.02% |
| Q2 2025 | 6.87% | 3.05% | 4.09% |
| Q3 2025 | 6.89% | 3.25% | 3.98% |
| Q4 2025 | 6.76% | 3.06% | 4.02% |
| Q1 2026 | 6.40% | 2.79% | 3.90% |
| Q2 2026 | 6.36% | 2.82% | 3.78% |
The Bankers Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bankers Bank, 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 The Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26677) · FFIEC NIC profile (RSSD 859655)