Oakworth Capital 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, Total interest expense rose 3.9% in Q2 2026 to $10.9M, the biggest move on this page. Within Alabama, Oakworth Capital Bank is 47th of 93 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. At 3.80%, Oakworth Capital Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.33% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.7M |
| Total interest expense | $10.9M |
| Interest expense on deposits | $9.9M |
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 | 6.24% | 3.03% | 3.45% | 6.86% | 2.59% |
| Q4 2023 | 6.24% | 3.13% | 3.34% | 6.74% | 2.72% |
| Q1 2024 | 6.46% | 3.17% | 3.49% | 6.99% | 2.84% |
| Q2 2024 | 6.64% | 3.34% | 3.56% | 7.13% | 2.95% |
| Q3 2024 | 6.81% | 3.45% | 3.60% | 7.35% | 3.10% |
| Q4 2024 | 6.56% | 3.10% | 3.71% | 7.05% | 3.24% |
| Q1 2025 | 6.28% | 2.79% | 3.71% | 6.74% | 3.54% |
| Q2 2025 | 6.34% | 2.82% | 3.75% | 6.80% | 3.66% |
| Q3 2025 | 6.42% | 2.84% | 3.81% | 6.93% | 3.72% |
| Q4 2025 | 6.00% | 2.52% | 3.70% | 6.65% | 3.81% |
| Q1 2026 | 5.83% | 2.32% | 3.70% | 6.23% | 4.07% |
| Q2 2026 | 5.96% | 2.35% | 3.80% | 6.33% | 4.21% |
Oakworth Capital 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 Oakworth Capital 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 Oakworth Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58783) · FFIEC NIC profile (RSSD 3720608)