Legacy 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.
Compared with Q1 2026, Net interest margin fell 0.31 percentage points in Q2 2026 to 4.02%, the biggest move on this page. Legacy Bank ranks 104th of 169 Oklahoma banks on net interest margin, in the lower half at 4.02% (Q2 2026). At 4.02%, Legacy Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 7.13% |
| Yield on securities | 4.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.2M |
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 | 6.18% | 1.63% | 4.31% | 6.71% | 5.40% |
| Q4 2023 | 6.54% | 1.71% | 4.58% | 7.20% | 5.47% |
| Q1 2024 | 7.14% | 1.74% | 5.14% | 8.17% | 5.30% |
| Q2 2024 | 6.71% | 1.82% | 4.63% | 7.46% | 5.38% |
| Q3 2024 | 7.00% | 1.96% | 4.76% | 7.86% | 5.15% |
| Q4 2024 | 6.61% | 1.98% | 4.38% | 7.65% | 4.76% |
| Q1 2025 | 6.69% | 1.83% | 4.64% | 7.92% | 4.38% |
| Q2 2025 | 6.47% | 1.80% | 4.46% | 7.77% | 4.40% |
| Q3 2025 | 6.46% | 1.77% | 4.49% | 7.81% | 4.25% |
| Q4 2025 | 6.40% | 1.78% | 4.44% | 7.72% | 4.20% |
| Q1 2026 | 6.27% | 1.74% | 4.33% | 7.50% | 4.13% |
| Q2 2026 | 5.99% | 1.78% | 4.02% | 7.13% | 4.11% |
Legacy 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 Legacy 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 Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4042) · FFIEC NIC profile (RSSD 320052)