Outdoor 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 Yield on securities: 1.22 percentage points lower than in Q1 2026, at 3.45%. Outdoor Bank ranks 111th of 182 Kansas banks on net interest margin, in the lower half at 3.82% (Q2 2026). Outdoor Bank reported 3.82% on net interest margin for Q2 2026, 0.13 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 6.95% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.55% |
| Cost of interest-bearing deposits | 3.11% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.6M |
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 | 7.40% | 2.86% | 4.72% | 7.85% | 4.46% |
| Q4 2023 | 7.38% | 2.92% | 4.47% | 7.72% | 4.73% |
| Q1 2024 | 7.34% | 3.09% | 4.26% | 7.85% | 4.80% |
| Q2 2024 | 7.49% | 3.25% | 4.41% | 8.08% | 5.02% |
| Q3 2024 | 7.72% | 3.30% | 4.57% | 8.08% | 4.85% |
| Q4 2024 | 7.41% | 3.13% | 4.42% | 7.83% | 4.99% |
| Q1 2025 | 6.95% | 2.86% | 4.19% | 7.40% | 4.24% |
| Q2 2025 | 6.80% | 2.86% | 4.04% | 7.28% | 4.24% |
| Q3 2025 | 7.12% | 2.82% | 4.44% | 7.50% | 4.01% |
| Q4 2025 | 6.71% | 2.65% | 4.16% | 7.19% | 6.43% |
| Q1 2026 | 6.32% | 2.52% | 3.90% | 6.95% | 4.67% |
| Q2 2026 | 6.24% | 2.55% | 3.82% | 6.95% | 3.45% |
Outdoor 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 Outdoor 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 Outdoor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17685) · FFIEC NIC profile (RSSD 43351)