Regent 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 0.30 percentage points from Q1 2026 to Q2 2026, ending at 4.44% against 4.14%. It was the largest change among the key lines on this page. Within Oklahoma, Regent Bank is 62nd of 169 on net interest margin, 4.44% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Regent Bank sits 0.73 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 7.27% |
| Yield on securities | 4.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.7M |
| Total interest expense | $12.6M |
| Interest expense on deposits | $12.3M |
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 | 6.52% | 2.81% | 4.01% | 6.83% | 4.31% |
| Q4 2023 | 6.69% | 3.36% | 3.57% | 7.06% | 4.77% |
| Q1 2024 | 6.58% | 3.60% | 3.22% | 7.10% | 5.07% |
| Q2 2024 | 6.81% | 3.72% | 3.35% | 7.14% | 5.20% |
| Q3 2024 | 6.99% | 3.65% | 3.61% | 7.35% | 5.33% |
| Q4 2024 | 6.76% | 3.41% | 3.59% | 7.24% | 4.81% |
| Q1 2025 | 6.76% | 3.26% | 3.73% | 7.18% | 4.69% |
| Q2 2025 | 6.94% | 2.93% | 4.23% | 7.36% | 4.81% |
| Q3 2025 | 7.05% | 3.00% | 4.25% | 7.39% | 5.03% |
| Q4 2025 | 6.96% | 2.83% | 4.34% | 7.28% | 4.83% |
| Q1 2026 | 6.56% | 2.59% | 4.14% | 6.94% | 4.65% |
| Q2 2026 | 6.88% | 2.60% | 4.44% | 7.27% | 4.53% |
Regent 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 Regent 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 Regent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4160) · FFIEC NIC profile (RSSD 309655)