Oklahoma 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.
The standout move of Q2 2026 was in Cost of borrowings: 1.02 percentage points lower than in Q1 2026, at 2.75%. Oklahoma Capital Bank ranks 48th of 169 Oklahoma banks on net interest margin, in the upper half at 4.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Oklahoma Capital Bank sits 0.75 points higher, at 4.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.23% |
| Yield on loans | 7.69% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.75% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.27% |
| Cost of borrowings | 2.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 7.72% | 3.09% | 5.00% | 8.38% | 2.50% |
| Q4 2023 | 7.63% | 3.44% | 4.62% | 8.28% | 2.59% |
| Q1 2024 | 7.75% | 3.56% | 4.56% | 8.39% | 2.73% |
| Q2 2024 | 7.56% | 3.58% | 4.36% | 8.31% | 3.46% |
| Q3 2024 | 7.55% | 3.60% | 4.40% | 8.51% | 4.07% |
| Q4 2024 | 7.34% | 3.35% | 4.45% | 8.44% | 4.16% |
| Q1 2025 | 7.72% | 3.15% | 4.86% | 8.37% | 4.18% |
| Q2 2025 | 7.32% | 3.17% | 4.61% | 8.31% | 4.43% |
| Q3 2025 | 7.52% | 3.09% | 4.75% | 8.17% | 4.59% |
| Q4 2025 | 7.65% | 2.92% | 5.05% | 8.17% | 4.40% |
| Q1 2026 | 7.21% | 2.81% | 4.65% | 7.74% | 4.38% |
| Q2 2026 | 7.23% | 2.75% | 4.70% | 7.69% | 4.24% |
Oklahoma 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 Oklahoma 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 Oklahoma Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18856) · FFIEC NIC profile (RSSD 284154)