Great Nations 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 3.99% against 3.82%. It was the largest change among the key lines on this page. Within Oklahoma, Great Nations Bank is 108th of 169 on net interest margin, 3.99% as of Q2 2026, below the middle of the field. At 3.99%, Great Nations Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.06% |
| Yield on loans | 7.93% |
| Yield on securities | 1.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.29% |
| Cost of interest-bearing deposits | 3.73% |
| Cost of interest-bearing liabilities | 3.70% |
| Cost of borrowings | 2.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $846K |
| Interest expense on deposits | $836K |
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 | 7.17% | 3.50% | 3.98% | 7.55% | 2.12% |
| Q4 2023 | 7.33% | 3.76% | 3.95% | 7.85% | 2.02% |
| Q1 2024 | 7.19% | 3.98% | 3.59% | 7.69% | 2.19% |
| Q2 2024 | 7.25% | 4.14% | 3.55% | 7.94% | 2.18% |
| Q3 2024 | 7.44% | 4.23% | 3.61% | 8.19% | 1.94% |
| Q4 2024 | 7.52% | 4.12% | 3.82% | 8.19% | 1.92% |
| Q1 2025 | 7.18% | 3.79% | 3.64% | 7.80% | 2.01% |
| Q2 2025 | 7.28% | 3.76% | 3.78% | 7.97% | 1.97% |
| Q3 2025 | 7.17% | 3.72% | 3.71% | 8.08% | 2.07% |
| Q4 2025 | 7.08% | 3.58% | 3.81% | 8.10% | 1.90% |
| Q1 2026 | 6.95% | 3.40% | 3.82% | 7.81% | 1.99% |
| Q2 2026 | 7.06% | 3.29% | 3.99% | 7.93% | 1.94% |
Great Nations 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 Great Nations 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 Great Nations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58680) · FFIEC NIC profile (RSSD 3599804)