Grand 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 Total interest expense, which rose 6.0% to $2.8M. Grand Bank ranks 71st of 169 Oklahoma banks on net interest margin, in the upper half at 4.34% (Q2 2026). Grand Bank reported 4.34% on net interest margin for Q2 2026, 0.39 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.5M |
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 |
|---|---|---|---|
| Q3 2023 | 5.62% | 1.98% | 3.79% |
| Q4 2023 | 5.82% | 2.15% | 3.83% |
| Q1 2024 | 5.82% | 2.42% | 3.54% |
| Q2 2024 | 6.07% | 2.55% | 3.65% |
| Q3 2024 | 6.03% | 2.68% | 3.55% |
| Q4 2024 | 6.10% | 2.44% | 3.86% |
| Q1 2025 | 6.01% | 2.21% | 3.96% |
| Q2 2025 | 5.85% | 2.13% | 3.88% |
| Q3 2025 | 5.92% | 2.08% | 4.01% |
| Q4 2025 | 5.86% | 1.87% | 4.14% |
| Q1 2026 | 5.77% | 1.76% | 4.12% |
| Q2 2026 | 6.00% | 1.79% | 4.34% |
Grand 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 Grand 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 Grand Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22065) · FFIEC NIC profile (RSSD 76854)