Grant County 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 Net interest margin, which rose 0.15 percentage points to 2.13%. Grant County Bank has the 1st lowest net interest margin of the 169 banks headquartered in Oklahoma, at 2.13% as of Q2 2026. Grant County Bank reported 2.13% on net interest margin for Q2 2026, 1.76 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.00% |
| Yield on loans | 7.49% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.13% |
| Yield to cost spread | 1.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $207K |
| Total interest expense | $271K |
| Interest expense on deposits | $271K |
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 | 4.15% | 2.10% | 2.37% | 7.33% | 2.38% |
| Q4 2023 | 4.39% | 2.27% | 2.52% | 7.73% | 2.39% |
| Q1 2024 | 4.47% | 2.38% | 2.46% | 8.01% | 2.90% |
| Q2 2024 | 4.54% | 2.38% | 2.51% | 8.08% | 2.63% |
| Q3 2024 | 4.65% | 2.73% | 2.38% | 8.28% | 2.60% |
| Q4 2024 | 4.40% | 2.60% | 2.21% | 7.39% | 2.69% |
| Q1 2025 | 4.29% | 2.39% | 2.25% | 7.76% | 2.79% |
| Q2 2025 | 4.21% | 2.86% | 1.83% | 8.04% | 2.82% |
| Q3 2025 | 4.38% | 2.68% | 2.15% | 8.22% | 2.74% |
| Q4 2025 | 4.15% | 2.56% | 2.02% | 8.09% | 2.58% |
| Q1 2026 | 3.89% | 2.24% | 1.98% | 7.65% | 2.78% |
| Q2 2026 | 4.00% | 2.21% | 2.13% | 7.49% | 2.96% |
Grant County 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 Grant County 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 Grant County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15778) · FFIEC NIC profile (RSSD 361354)