Cattlemens 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.
Total interest expense fell 5.2% from Q1 2026 to Q2 2026, ending at $3.7M against $3.9M. It was the largest change among the key lines on this page. Cattlemens Bank ranks 89th of 169 Oklahoma banks on net interest margin, in the lower half at 4.19% (Q2 2026). Cattlemens Bank reported 4.19% on net interest margin for Q2 2026, 0.24 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.82% |
| Yield on loans | 7.11% |
| Yield on securities | 3.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.87% |
| Cost of interest-bearing deposits | 3.28% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.2M |
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 | 6.37% | 3.21% | 3.36% | 6.46% | 3.12% |
| Q4 2023 | 6.60% | 3.36% | 3.47% | 6.69% | 3.21% |
| Q1 2024 | 6.78% | 3.45% | 3.54% | 6.86% | 3.28% |
| Q2 2024 | 6.94% | 3.64% | 3.54% | 7.05% | 3.20% |
| Q3 2024 | 7.03% | 3.68% | 3.62% | 7.16% | 3.59% |
| Q4 2024 | 7.07% | 3.56% | 3.76% | 7.25% | 3.38% |
| Q1 2025 | 6.90% | 3.31% | 3.81% | 7.08% | 4.34% |
| Q2 2025 | 6.99% | 3.23% | 3.98% | 7.20% | 4.69% |
| Q3 2025 | 7.12% | 3.22% | 4.11% | 7.34% | 4.24% |
| Q4 2025 | 7.09% | 3.21% | 4.10% | 7.37% | 3.43% |
| Q1 2026 | 6.82% | 2.98% | 4.05% | 7.11% | 3.48% |
| Q2 2026 | 6.82% | 2.87% | 4.19% | 7.11% | 3.55% |
Cattlemens 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 Cattlemens 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 Cattlemens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12285) · FFIEC NIC profile (RSSD 284556)