Latimer 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.05 percentage points between Q1 2026 and Q2 2026, to 3.92%. Latimer State Bank ranks 116th of 169 Oklahoma banks on net interest margin, in the lower half at 3.92% (Q2 2026). At 3.92%, Latimer State Bank's net interest margin is close to the 3.88% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 8.09% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.10% |
| Cost of interest-bearing liabilities | 1.10% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $254K |
| Total interest expense | $108K |
| Interest expense on deposits | $108K |
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 | 3.54% | 0.52% | 3.12% | 7.10% | 0.96% |
| Q4 2023 | 3.79% | 0.58% | 3.33% | 8.00% | 1.00% |
| Q1 2024 | 3.92% | 0.62% | 3.42% | 7.68% | 1.04% |
| Q2 2024 | 4.15% | 0.65% | 3.62% | 7.56% | 1.31% |
| Q3 2024 | 4.40% | 0.74% | 3.81% | 7.65% | 1.69% |
| Q4 2024 | 4.60% | 0.77% | 3.99% | 7.75% | 2.41% |
| Q1 2025 | 4.64% | 0.81% | 3.98% | 8.01% | 3.23% |
| Q2 2025 | 4.82% | 0.87% | 4.13% | 8.19% | 3.39% |
| Q3 2025 | 5.07% | 0.89% | 4.36% | 7.92% | 3.95% |
| Q4 2025 | 4.83% | 0.88% | 4.13% | 7.94% | 3.92% |
| Q1 2026 | 4.68% | 0.90% | 3.97% | 8.17% | 3.76% |
| Q2 2026 | 4.62% | 0.89% | 3.92% | 8.09% | 3.74% |
Latimer 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 Latimer 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 Latimer State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22839) · FFIEC NIC profile (RSSD 51356)