The Hopeton 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.
The standout move of Q2 2026 was in Net interest margin: 0.91 percentage points higher than in Q1 2026, at 4.78%. Within Oklahoma, The Hopeton State Bank is 42nd of 169 on net interest margin, 4.78% as of Q2 2026, above the middle of the field. The Hopeton State Bank reported 4.78% on net interest margin for Q2 2026, 0.89 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 7.09% |
| Yield on securities | 4.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.78% |
| Yield to cost spread | 4.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $365K |
| Total interest expense | $107K |
| Interest expense on deposits | $107K |
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 | 4.79% | 1.85% | 2.99% | 5.74% | 2.90% |
| Q4 2023 | 4.90% | 2.00% | 2.99% | 6.12% | 2.66% |
| Q1 2024 | 4.76% | 1.99% | 2.72% | 4.78% | 4.76% |
| Q2 2024 | 7.13% | 2.08% | 5.01% | 7.92% | 5.89% |
| Q3 2024 | 5.87% | 2.05% | 3.52% | 6.59% | 3.51% |
| Q4 2024 | 6.44% | 2.17% | 3.94% | 6.59% | 3.57% |
| Q1 2025 | 6.06% | 2.09% | 3.70% | 6.55% | 3.46% |
| Q2 2025 | 0.70% | -1.87% | 0.50% | 0.56% | 0.46% |
| Q3 2025 | 6.36% | 2.08% | 4.37% | 8.42% | 5.54% |
| Q4 2025 | 6.09% | 1.97% | 4.15% | 7.65% | 6.84% |
| Q1 2026 | 5.58% | 1.84% | 3.87% | 7.22% | 4.08% |
| Q2 2026 | 6.38% | 1.71% | 4.78% | 7.09% | 4.19% |
The Hopeton 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 The Hopeton 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 The Hopeton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12585) · FFIEC NIC profile (RSSD 877958)