Cowboy 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.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.60 percentage points to 3.88%. Cowboy Bank ranks 43rd of 169 Oklahoma banks on net interest margin, in the upper half at 4.77% (Q2 2026). Cowboy Bank reported 4.77% on net interest margin for Q2 2026, 0.82 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.18% |
| Yield on loans | 6.99% |
| Yield on securities | 3.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 2.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.77% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| 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 | 6.25% | 1.74% | 4.78% | 6.97% | 3.50% |
| Q4 2023 | 6.36% | 1.92% | 4.66% | 7.03% | 3.70% |
| Q1 2024 | 6.46% | 2.15% | 4.68% | 7.04% | 3.86% |
| Q2 2024 | 6.40% | 2.46% | 4.45% | 6.96% | 4.12% |
| Q3 2024 | 6.39% | 2.08% | 4.33% | 7.05% | 3.71% |
| Q4 2024 | 6.21% | 2.12% | 4.15% | 6.83% | 3.53% |
| Q1 2025 | 6.41% | 1.93% | 4.49% | 6.82% | 4.33% |
| Q2 2025 | 6.39% | 1.78% | 4.69% | 6.95% | 3.53% |
| Q3 2025 | 6.36% | 1.74% | 4.72% | 7.05% | 3.40% |
| Q4 2025 | 6.39% | 1.79% | 4.68% | 7.30% | 3.68% |
| Q1 2026 | 6.24% | 1.58% | 4.77% | 6.97% | 3.28% |
| Q2 2026 | 6.18% | 1.52% | 4.77% | 6.99% | 3.88% |
Cowboy 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 Cowboy 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 Cowboy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11526) · FFIEC NIC profile (RSSD 883959)