Local 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.
Net interest margin climbed 0.41 percentage points in Q2 2026, from 3.90% to 4.31%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Local Bank is 76th of 169 on net interest margin, 4.31% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Local Bank sits 0.37 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.09% |
| Yield on loans | 7.57% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.5M |
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 | 5.30% | 2.35% | 3.14% | 6.30% | 3.21% |
| Q4 2023 | 5.56% | 2.41% | 3.40% | 6.57% | 3.21% |
| Q1 2024 | 5.70% | 2.72% | 3.16% | 6.71% | 3.22% |
| Q2 2024 | 5.91% | 2.79% | 3.29% | 6.89% | 3.19% |
| Q3 2024 | 6.23% | 3.12% | 3.21% | 7.16% | 3.19% |
| Q4 2024 | 6.32% | 3.49% | 3.00% | 7.07% | 3.13% |
| Q1 2025 | 6.24% | 2.87% | 3.49% | 6.94% | 3.09% |
| Q2 2025 | 6.54% | 3.00% | 3.66% | 7.06% | 3.01% |
| Q3 2025 | 6.59% | 2.95% | 3.76% | 7.16% | 2.76% |
| Q4 2025 | 6.63% | 2.88% | 3.85% | 7.13% | 2.21% |
| Q1 2026 | 6.57% | 2.74% | 3.90% | 7.12% | 2.10% |
| Q2 2026 | 7.09% | 2.74% | 4.31% | 7.57% | 2.18% |
Local 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 Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2327) · FFIEC NIC profile (RSSD 815754)