Frontier State 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.
In Q2 2026, Cost of borrowings edged down by 0.10 percentage points, from 3.98% to 3.89%, the largest move among the key lines here. Within Oklahoma, Frontier State Bank is 150th of 169 on net interest margin, 3.33% as of Q2 2026, below the middle of the field. Frontier State Bank reported 3.33% on net interest margin for Q2 2026, 0.62 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 6.70% |
| Yield on securities | 4.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.31% |
| Cost of interest-bearing deposits | 3.63% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.1M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $3.9M |
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 | 6.51% | 3.48% | 3.39% | 6.97% | 4.21% |
| Q4 2023 | 6.59% | 3.96% | 3.08% | 7.13% | 4.26% |
| Q1 2024 | 6.72% | 4.16% | 2.94% | 7.22% | 4.27% |
| Q2 2024 | 6.86% | 4.26% | 3.04% | 7.34% | 4.40% |
| Q3 2024 | 7.05% | 4.24% | 3.26% | 7.53% | 4.41% |
| Q4 2024 | 6.90% | 4.01% | 3.32% | 7.40% | 4.36% |
| Q1 2025 | 6.72% | 3.72% | 3.37% | 7.18% | 4.29% |
| Q2 2025 | 6.71% | 3.68% | 3.40% | 7.18% | 4.66% |
| Q3 2025 | 6.95% | 3.66% | 3.67% | 7.46% | 4.83% |
| Q4 2025 | 6.70% | 3.51% | 3.55% | 7.14% | 4.87% |
| Q1 2026 | 6.34% | 3.35% | 3.31% | 6.73% | 4.85% |
| Q2 2026 | 6.31% | 3.31% | 3.33% | 6.70% | 4.76% |
Frontier State 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 Frontier State 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 Frontier State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21978) · FFIEC NIC profile (RSSD 632858)