Lakeside Bank of Salina: 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 0.35 percentage points from Q1 2026 to Q2 2026, ending at 6.43% against 6.08%. It was the largest change among the key lines on this page. Among 169 Oklahoma banks, Lakeside Bank of Salina sits 3rd from the top on net interest margin, 6.43% as of Q2 2026. Against a median of 3.89% for banks in the < $100M asset tier, Lakeside Bank of Salina reported 6.43% on net interest margin in Q2 2026, 2.54 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.97% |
| Yield on loans | 8.89% |
| Yield on securities | 5.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.43% |
| Yield to cost spread | 5.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $895K |
| Total interest expense | $198K |
| Interest expense on deposits | $198K |
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 | 7.27% | 1.27% | 6.06% | 7.99% | 3.25% |
| Q4 2023 | 7.08% | 1.56% | 5.62% | 7.83% | 3.25% |
| Q1 2024 | 7.10% | 1.53% | 5.70% | 7.96% | 3.41% |
| Q2 2024 | 7.26% | 1.71% | 5.66% | 8.10% | 3.85% |
| Q3 2024 | 7.72% | 1.71% | 6.13% | 8.78% | 4.42% |
| Q4 2024 | 7.88% | 1.67% | 6.34% | 8.85% | 4.65% |
| Q1 2025 | 7.87% | 1.56% | 6.40% | 8.86% | 4.33% |
| Q2 2025 | 8.13% | 1.63% | 6.58% | 9.05% | 4.26% |
| Q3 2025 | 8.07% | 1.68% | 6.49% | 9.05% | 4.41% |
| Q4 2025 | 8.12% | 1.73% | 6.50% | 9.11% | 4.86% |
| Q1 2026 | 7.69% | 1.69% | 6.08% | 8.69% | 4.83% |
| Q2 2026 | 7.97% | 1.61% | 6.43% | 8.89% | 5.00% |
Lakeside Bank of Salina yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside Bank of Salina, 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 Lakeside Bank of Salina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21255) · FFIEC NIC profile (RSSD 391557)