The Idabel National 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: 0.41 percentage points higher than in Q1 2026, at 3.68%. Within Oklahoma, The Idabel National Bank is 131st of 169 on net interest margin, 3.68% as of Q2 2026, below the middle of the field. The Idabel National Bank reported 3.68% on net interest margin for Q2 2026, 0.27 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.12% |
| Yield on securities | 4.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 3.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.43% | 2.60% | 3.12% | 5.88% | 3.93% |
| Q4 2023 | 5.68% | 2.34% | 3.63% | 6.17% | 3.84% |
| Q1 2024 | 5.74% | 2.92% | 3.18% | 6.28% | 4.05% |
| Q2 2024 | 5.71% | 2.75% | 3.32% | 6.22% | 4.01% |
| Q3 2024 | 5.30% | 2.92% | 2.79% | 5.69% | 4.08% |
| Q4 2024 | 5.52% | 2.79% | 3.14% | 6.03% | 4.11% |
| Q1 2025 | 5.19% | 2.59% | 2.97% | 5.57% | 4.08% |
| Q2 2025 | 5.30% | 2.47% | 3.17% | 5.75% | 4.16% |
| Q3 2025 | 5.33% | 2.51% | 3.23% | 5.72% | 4.26% |
| Q4 2025 | 5.25% | 2.35% | 3.27% | 5.73% | 4.25% |
| Q1 2026 | 5.11% | 2.20% | 3.27% | 5.57% | 4.26% |
| Q2 2026 | 5.47% | 2.16% | 3.68% | 6.12% | 4.33% |
The Idabel National 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 Idabel National 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 Idabel National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4241) · FFIEC NIC profile (RSSD 237954)