BOKF, N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.0% to $288.4M. On net interest margin, BOKF, N.A. is 3rd from the bottom among 169 Oklahoma banks, 2.84% (Q2 2026). BOKF, N.A. reported 2.84% on net interest margin for Q2 2026, 0.76 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 6.18% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.43% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $411.0M |
| Total interest expense | $288.4M |
| Interest expense on deposits | $210.3M |
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 | 5.45% | 2.89% | 2.67% | 7.30% | 2.84% |
| Q4 2023 | 5.60% | 2.84% | 2.62% | 7.43% | 2.98% |
| Q1 2024 | 5.63% | 2.75% | 2.58% | 7.36% | 3.16% |
| Q2 2024 | 5.71% | 2.86% | 2.53% | 7.36% | 3.37% |
| Q3 2024 | 5.82% | 2.86% | 2.65% | 7.50% | 3.43% |
| Q4 2024 | 5.53% | 2.82% | 2.72% | 7.04% | 3.50% |
| Q1 2025 | 5.33% | 2.70% | 2.74% | 6.62% | 3.49% |
| Q2 2025 | 5.39% | 2.75% | 2.76% | 6.69% | 3.56% |
| Q3 2025 | 5.49% | 2.75% | 2.87% | 6.75% | 3.61% |
| Q4 2025 | 5.32% | 2.52% | 2.93% | 6.53% | 3.62% |
| Q1 2026 | 5.11% | 2.38% | 2.84% | 6.16% | 3.62% |
| Q2 2026 | 5.16% | 2.43% | 2.84% | 6.18% | 3.66% |
BOKF, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BOKF, N.A., 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 BOKF, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4214) · FFIEC NIC profile (RSSD 339858)