Grand Savings 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, Total interest expense edged up by 1.7%, from $4.4M to $4.4M, the largest move among the key lines here. Within Oklahoma, Grand Savings Bank is 29th of 169 on net interest margin, 5.05% as of Q2 2026, above the middle of the field. Grand Savings Bank reported 5.05% on net interest margin for Q2 2026, 1.34 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.83% |
| Yield on loans | 7.48% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.05% |
| Yield to cost spread | 4.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.4M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 6.57% | 1.90% | 4.70% | 7.37% | 2.27% |
| Q4 2023 | 6.93% | 2.24% | 4.80% | 7.66% | 2.55% |
| Q1 2024 | 7.01% | 2.45% | 4.69% | 7.72% | 2.54% |
| Q2 2024 | 7.03% | 2.46% | 4.73% | 7.73% | 2.71% |
| Q3 2024 | 7.06% | 2.50% | 4.73% | 7.87% | 3.26% |
| Q4 2024 | 7.06% | 2.37% | 4.87% | 7.91% | 3.25% |
| Q1 2025 | 6.86% | 2.09% | 4.92% | 7.69% | 3.26% |
| Q2 2025 | 7.05% | 2.02% | 5.20% | 7.75% | 3.29% |
| Q3 2025 | 7.36% | 2.05% | 5.47% | 8.08% | 3.63% |
| Q4 2025 | 7.22% | 2.04% | 5.35% | 7.94% | 3.56% |
| Q1 2026 | 6.90% | 1.96% | 5.11% | 7.53% | 3.66% |
| Q2 2026 | 6.83% | 1.97% | 5.05% | 7.48% | 3.58% |
Grand Savings 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 Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32084) · FFIEC NIC profile (RSSD 732178)