Corebank: 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.
Net interest margin rose 0.22 percentage points from Q1 2026 to Q2 2026, ending at 4.32% against 4.10%. It was the largest change among the key lines on this page. Within Oklahoma, Corebank is 74th of 169 on net interest margin, 4.32% as of Q2 2026. Corebank reported 4.32% on net interest margin for Q2 2026, 0.38 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.17% |
| Yield on loans | 8.21% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.15% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $872K |
| Interest expense on deposits | $872K |
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 | 6.74% | 2.58% | 4.44% | 7.51% | 3.23% |
| Q4 2023 | 7.29% | 3.24% | 4.30% | 8.05% | 3.53% |
| Q1 2024 | 7.15% | 3.80% | 3.80% | 7.99% | 3.11% |
| Q2 2024 | 7.53% | 4.40% | 3.99% | 8.40% | 3.15% |
| Q3 2024 | 8.21% | 3.88% | 4.55% | 9.24% | 3.27% |
| Q4 2024 | 7.76% | 3.87% | 4.02% | 8.60% | 3.34% |
| Q1 2025 | 7.55% | 3.80% | 4.07% | 8.44% | 3.42% |
| Q2 2025 | 7.31% | 3.76% | 3.85% | 8.44% | 3.43% |
| Q3 2025 | 7.53% | 3.30% | 4.19% | 8.53% | 3.36% |
| Q4 2025 | 7.59% | 3.51% | 4.41% | 8.47% | 3.28% |
| Q1 2026 | 7.09% | 3.30% | 4.10% | 8.04% | 3.45% |
| Q2 2026 | 7.17% | 3.15% | 4.32% | 8.21% | 3.25% |
Corebank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Corebank, 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 Corebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18063) · FFIEC NIC profile (RSSD 474656)