Blue SKY 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.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.3% between Q1 2026 and Q2 2026, to $7.3M. Within Oklahoma, Blue SKY Bank is 63rd of 169 on net interest margin, 4.42% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Blue SKY Bank sits 0.71 points higher, at 4.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.75% |
| Yield on loans | 7.14% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.0M |
| Total interest expense | $7.3M |
| Interest expense on deposits | $7.1M |
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 | 7.16% | 2.43% | 4.86% | 7.42% | 4.44% |
| Q4 2023 | 8.41% | 2.92% | 5.64% | 8.90% | 1.82% |
| Q1 2024 | 7.48% | 3.15% | 4.51% | 7.90% | 3.25% |
| Q2 2024 | 7.59% | 3.13% | 4.64% | 8.08% | 3.23% |
| Q3 2024 | 7.87% | 3.21% | 4.84% | 8.38% | 3.30% |
| Q4 2024 | 7.47% | 2.97% | 4.71% | 7.85% | 3.38% |
| Q1 2025 | 7.00% | 2.85% | 4.32% | 7.42% | 3.45% |
| Q2 2025 | 7.16% | 2.84% | 4.49% | 7.58% | 3.34% |
| Q3 2025 | 7.18% | 2.80% | 4.55% | 7.60% | 3.58% |
| Q4 2025 | 7.53% | 2.57% | 5.12% | 8.10% | 3.55% |
| Q1 2026 | 6.72% | 2.44% | 4.41% | 7.10% | 3.57% |
| Q2 2026 | 6.75% | 2.49% | 4.42% | 7.14% | 3.75% |
Blue SKY 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 Blue SKY 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 Blue SKY Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14899) · FFIEC NIC profile (RSSD 517357)