Oxford 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: 2.07 percentage points higher than in Q1 2026, at 4.05%. Among 72 Michigan banks, Oxford Bank sits 3rd from the top on net interest margin, 5.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Oxford Bank sits 1.21 points higher, at 5.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 7.56% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 4.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.16% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.6M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.6M |
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 | 6.12% | 0.83% | 5.34% | 7.91% | 1.79% |
| Q4 2023 | 5.24% | 0.93% | 4.48% | 7.27% | 1.13% |
| Q1 2024 | 5.44% | 1.03% | 4.59% | 7.52% | 0.99% |
| Q2 2024 | 5.81% | 1.19% | 4.82% | 7.52% | 1.22% |
| Q3 2024 | 6.17% | 1.36% | 4.93% | 7.49% | 2.04% |
| Q4 2024 | 6.47% | 1.39% | 5.22% | 7.51% | 2.25% |
| Q1 2025 | 6.26% | 1.20% | 5.13% | 7.21% | 2.48% |
| Q2 2025 | 6.47% | 1.24% | 5.30% | 7.41% | 2.56% |
| Q3 2025 | 6.53% | 1.28% | 5.37% | 7.45% | 3.00% |
| Q4 2025 | 6.40% | 1.34% | 5.13% | 7.46% | 2.52% |
| Q1 2026 | 6.10% | 1.46% | 4.78% | 7.40% | 2.57% |
| Q2 2026 | 6.48% | 1.54% | 5.16% | 7.56% | 3.17% |
Oxford 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 Oxford 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 Oxford Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9719) · FFIEC NIC profile (RSSD 448040)