Oklahoma 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: Yield on loans edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 8.48%. On net interest margin, Oklahoma State Bank ranks 8th highest among the 169 banks headquartered in Oklahoma, at 5.82% (Q2 2026). Oklahoma State Bank's net interest margin of 5.82% is well above the 3.88% median for banks in the < $100M asset tier, a gap of 1.95 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.10% |
| Yield on loans | 8.48% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.82% |
| Yield to cost spread | 4.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $995K |
| Total interest expense | $208K |
| Interest expense on deposits | $208K |
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 | 8.22% | 1.17% | 7.13% | 10.88% | 3.32% |
| Q4 2023 | 7.07% | 1.36% | 5.82% | 9.12% | 3.06% |
| Q1 2024 | 7.64% | 1.41% | 6.31% | 9.26% | 1.81% |
| Q2 2024 | 7.85% | 1.50% | 6.46% | 9.34% | 1.81% |
| Q3 2024 | 7.95% | 1.61% | 6.47% | 9.48% | 3.27% |
| Q4 2024 | 7.89% | 1.59% | 6.43% | 8.94% | 3.96% |
| Q1 2025 | 7.85% | 1.58% | 6.34% | 9.04% | 3.59% |
| Q2 2025 | 7.49% | 1.58% | 6.01% | 9.08% | 3.50% |
| Q3 2025 | 7.48% | 1.61% | 6.00% | 9.16% | 3.80% |
| Q4 2025 | 7.71% | 1.64% | 6.18% | 8.96% | 3.78% |
| Q1 2026 | 7.13% | 1.43% | 5.80% | 8.37% | 3.29% |
| Q2 2026 | 7.10% | 1.38% | 5.82% | 8.48% | 3.25% |
Oklahoma 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 Oklahoma 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 Oklahoma State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13416) · FFIEC NIC profile (RSSD 324256)