RCB 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.
Net interest margin rose 0.13 percentage points from Q1 2026 to Q2 2026, ending at 3.99% against 3.86%. It was the largest change among the key lines on this page. RCB Bank ranks 108th of 169 Oklahoma banks on net interest margin, in the lower half at 3.99% (Q2 2026). RCB Bank reported 3.99% on net interest margin for Q2 2026, 0.28 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 5.81% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $25.2M |
| Total interest expense | $8.9M |
| Interest expense on deposits | $8.9M |
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 | 4.24% | 1.23% | 3.08% | 5.05% | 2.26% |
| Q4 2023 | 4.35% | 1.40% | 3.02% | 5.16% | 2.37% |
| Q1 2024 | 4.43% | 1.52% | 2.99% | 5.20% | 2.57% |
| Q2 2024 | 4.56% | 1.54% | 3.11% | 5.38% | 2.67% |
| Q3 2024 | 4.70% | 1.59% | 3.21% | 5.55% | 2.77% |
| Q4 2024 | 4.95% | 1.43% | 3.62% | 5.99% | 2.93% |
| Q1 2025 | 4.72% | 1.23% | 3.56% | 5.60% | 3.10% |
| Q2 2025 | 4.83% | 1.25% | 3.66% | 5.72% | 3.25% |
| Q3 2025 | 4.92% | 1.27% | 3.74% | 5.81% | 3.36% |
| Q4 2025 | 4.93% | 1.11% | 3.89% | 5.81% | 3.46% |
| Q1 2026 | 4.81% | 1.02% | 3.86% | 5.68% | 3.52% |
| Q2 2026 | 4.93% | 1.01% | 3.99% | 5.81% | 3.60% |
RCB 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 RCB 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 RCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15399) · FFIEC NIC profile (RSSD 945053)