Quail Creek 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: 4.32 percentage points lower than in Q1 2026, at 0.00%. Quail Creek Bank ranks 84th of 169 Oklahoma banks on net interest margin, in the upper half at 4.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Quail Creek Bank sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 6.84% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.6M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $4.0M |
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 | 5.97% | 1.75% | 4.36% | 6.47% | 4.38% |
| Q4 2023 | 6.24% | 1.99% | 4.41% | 6.77% | 4.41% |
| Q1 2024 | 6.32% | 2.15% | 4.34% | 6.87% | 4.06% |
| Q2 2024 | 6.46% | 2.35% | 4.32% | 7.04% | 4.10% |
| Q3 2024 | 6.60% | 2.45% | 4.36% | 7.20% | 4.16% |
| Q4 2024 | 6.57% | 2.48% | 4.35% | 7.25% | 4.08% |
| Q1 2025 | 6.40% | 2.35% | 4.27% | 7.06% | 4.02% |
| Q2 2025 | 6.45% | 2.31% | 4.35% | 7.11% | 4.15% |
| Q3 2025 | 6.48% | 2.33% | 4.36% | 7.14% | 4.23% |
| Q4 2025 | 6.36% | 2.26% | 4.31% | 7.03% | 4.20% |
| Q1 2026 | 6.15% | 2.15% | 4.19% | 6.83% | 4.17% |
| Q2 2026 | 6.19% | 2.13% | 4.23% | 6.84% | 4.24% |
Quail Creek 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 Quail Creek 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 Quail Creek Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21848) · FFIEC NIC profile (RSSD 507152)