Exchange Bank and Trust Company: 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 7.57%. Within Oklahoma, Exchange Bank and Trust Company is 96th of 169 on net interest margin, 4.11% as of Q2 2026, below the middle of the field. Exchange Bank and Trust Company reported 4.11% on net interest margin for Q2 2026, 0.16 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 7.57% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.2M |
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 | 5.42% | 2.07% | 3.46% | 6.67% | 2.19% |
| Q4 2023 | 5.55% | 2.29% | 3.40% | 6.79% | 2.21% |
| Q1 2024 | 5.73% | 2.54% | 3.32% | 7.00% | 2.23% |
| Q2 2024 | 5.90% | 2.69% | 3.36% | 7.18% | 2.20% |
| Q3 2024 | 5.91% | 2.78% | 3.28% | 7.21% | 2.09% |
| Q4 2024 | 6.16% | 2.74% | 3.59% | 7.43% | 2.36% |
| Q1 2025 | 6.01% | 2.54% | 3.61% | 7.28% | 2.25% |
| Q2 2025 | 6.06% | 2.50% | 3.74% | 7.48% | 2.23% |
| Q3 2025 | 6.32% | 2.48% | 4.00% | 7.71% | 2.25% |
| Q4 2025 | 6.36% | 2.41% | 4.12% | 7.62% | 2.29% |
| Q1 2026 | 6.24% | 2.35% | 4.07% | 7.49% | 2.27% |
| Q2 2026 | 6.25% | 2.33% | 4.11% | 7.57% | 2.29% |
Exchange Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank and Trust Company, 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 Exchange Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13366) · FFIEC NIC profile (RSSD 456755)