Frazer 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.
Total interest expense rose 4.5% from Q1 2026 to Q2 2026, ending at $1.5M against $1.4M. It was the largest change among the key lines on this page. On net interest margin, Frazer Bank is 16th from the bottom among 169 Oklahoma banks, 3.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Frazer Bank sits 0.71 points lower, at 3.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 6.31% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 4.90% | 2.19% | 2.85% | 5.80% | 2.02% |
| Q4 2023 | 4.98% | 2.51% | 2.64% | 5.84% | 2.05% |
| Q1 2024 | 5.03% | 2.67% | 2.54% | 5.80% | 2.07% |
| Q2 2024 | 4.98% | 2.60% | 2.51% | 5.91% | 1.98% |
| Q3 2024 | 5.08% | 2.73% | 2.53% | 5.97% | 2.10% |
| Q4 2024 | 4.92% | 2.51% | 2.54% | 5.93% | 1.77% |
| Q1 2025 | 4.94% | 2.29% | 2.80% | 5.98% | 2.03% |
| Q2 2025 | 5.06% | 2.24% | 2.99% | 6.11% | 2.18% |
| Q3 2025 | 5.05% | 2.15% | 3.07% | 6.14% | 1.81% |
| Q4 2025 | 5.08% | 1.91% | 3.26% | 6.29% | 2.19% |
| Q1 2026 | 4.81% | 1.79% | 3.13% | 6.10% | 2.53% |
| Q2 2026 | 4.97% | 1.86% | 3.24% | 6.31% | 2.86% |
Frazer 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 Frazer 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 Frazer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4031) · FFIEC NIC profile (RSSD 245351)