Kirkpatrick 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 Total interest expense, which fell 4.3% to $4.9M. Kirkpatrick Bank has the 13th lowest net interest margin of the 169 banks headquartered in Oklahoma, at 3.16% as of Q2 2026. Kirkpatrick Bank reported 3.16% on net interest margin for Q2 2026, 0.55 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.30% |
| Yield on securities | 1.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.9M |
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 | 5.06% | 1.88% | 3.41% | 7.13% | 1.42% |
| Q4 2023 | 5.23% | 2.27% | 3.21% | 7.10% | 1.46% |
| Q1 2024 | 5.31% | 2.67% | 2.91% | 6.95% | 1.52% |
| Q2 2024 | 5.48% | 2.77% | 3.02% | 7.19% | 1.54% |
| Q3 2024 | 5.55% | 2.78% | 3.10% | 7.22% | 1.54% |
| Q4 2024 | 5.25% | 2.57% | 2.98% | 6.68% | 1.53% |
| Q1 2025 | 5.05% | 2.30% | 3.01% | 6.39% | 1.53% |
| Q2 2025 | 5.11% | 2.34% | 3.04% | 6.45% | 1.54% |
| Q3 2025 | 5.25% | 2.34% | 3.18% | 6.64% | 1.55% |
| Q4 2025 | 5.27% | 2.17% | 3.34% | 6.59% | 1.56% |
| Q1 2026 | 4.95% | 2.04% | 3.12% | 6.23% | 1.54% |
| Q2 2026 | 4.99% | 2.06% | 3.16% | 6.30% | 1.56% |
Kirkpatrick 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 Kirkpatrick 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 Kirkpatrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20156) · FFIEC NIC profile (RSSD 67151)