Community Bank of 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 standout move of Q2 2026 was in Yield on securities: 5.02 percentage points lower than in Q1 2026, at 2.53%. Within Oklahoma, Community Bank of Oklahoma is 80th of 169 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. Community Bank of Oklahoma reported 4.29% on net interest margin for Q2 2026, 0.40 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 7.02% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $675K |
| Total interest expense | $186K |
| Interest expense on deposits | $186K |
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 | 5.19% | 0.95% | 3.96% | 6.49% | 3.66% |
| Q4 2023 | 5.40% | 1.37% | 3.80% | 6.77% | 3.90% |
| Q1 2024 | 5.94% | 1.36% | 4.13% | 6.72% | 4.83% |
| Q2 2024 | 5.44% | 1.39% | 3.83% | 6.58% | 3.92% |
| Q3 2024 | 5.56% | 1.58% | 3.85% | 6.81% | 3.83% |
| Q4 2024 | 5.62% | 1.58% | 4.02% | 6.93% | 3.50% |
| Q1 2025 | 5.18% | 1.35% | 3.80% | 6.53% | 3.04% |
| Q2 2025 | 5.42% | 1.69% | 3.71% | 6.84% | 2.57% |
| Q3 2025 | 5.52% | 1.38% | 4.21% | 6.89% | 2.43% |
| Q4 2025 | 5.69% | 1.34% | 4.40% | 7.18% | 2.32% |
| Q1 2026 | 6.19% | 1.18% | 4.86% | 6.94% | 7.55% |
| Q2 2026 | 5.42% | 1.20% | 4.29% | 7.02% | 2.53% |
Community Bank of 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 Community Bank of 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 Community Bank of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4217) · FFIEC NIC profile (RSSD 412452)