The City National Bank and Trust Company of Lawton, Oklahoma: 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 $1.2M. The City National Bank and Trust Company of Lawton, Oklahoma ranks 92nd of 169 Oklahoma banks on net interest margin, in the lower half at 4.18% (Q2 2026). The City National Bank and Trust Company of Lawton, Oklahoma reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 5.89% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.84% | 0.95% | 3.95% | 5.00% | 4.08% |
| Q4 2023 | 5.14% | 1.08% | 4.12% | 5.23% | 4.22% |
| Q1 2024 | 5.05% | 1.02% | 4.09% | 5.24% | 4.08% |
| Q2 2024 | 5.25% | 1.24% | 4.08% | 5.46% | 4.12% |
| Q3 2024 | 5.39% | 1.43% | 4.06% | 5.65% | 4.10% |
| Q4 2024 | 5.31% | 1.43% | 3.99% | 5.58% | 4.05% |
| Q1 2025 | 5.32% | 1.41% | 3.98% | 5.61% | 4.01% |
| Q2 2025 | 5.39% | 1.37% | 4.09% | 5.71% | 4.05% |
| Q3 2025 | 5.56% | 1.44% | 4.21% | 5.97% | 4.10% |
| Q4 2025 | 5.63% | 1.33% | 4.40% | 6.13% | 3.96% |
| Q1 2026 | 5.24% | 1.27% | 4.06% | 5.66% | 4.01% |
| Q2 2026 | 5.39% | 1.30% | 4.18% | 5.89% | 4.10% |
The City National Bank and Trust Company of Lawton, Oklahoma 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 City National Bank and Trust Company of Lawton, Oklahoma, 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 City National Bank and Trust Company of Lawton, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4132) · FFIEC NIC profile (RSSD 294751)