Security 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 4.15% to 4.23%, the largest move among the key lines here. Security 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 3.94% on net interest margin. Security Bank sits 0.29 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.71% |
| Yield on loans | 7.32% |
| Yield on securities | 3.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 3.44% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.7M |
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 | 6.59% | 3.24% | 3.77% | 7.09% | 2.22% |
| Q4 2023 | 6.98% | 3.48% | 3.93% | 7.35% | 2.55% |
| Q1 2024 | 7.06% | 3.61% | 3.86% | 7.46% | 2.53% |
| Q2 2024 | 7.20% | 3.66% | 3.98% | 7.60% | 2.52% |
| Q3 2024 | 7.50% | 3.77% | 4.20% | 7.96% | 2.64% |
| Q4 2024 | 7.08% | 3.66% | 3.86% | 7.58% | 2.81% |
| Q1 2025 | 6.97% | 3.38% | 3.97% | 7.51% | 2.98% |
| Q2 2025 | 7.12% | 3.32% | 4.16% | 7.57% | 3.29% |
| Q3 2025 | 7.20% | 3.28% | 4.28% | 7.70% | 3.41% |
| Q4 2025 | 6.85% | 3.17% | 4.06% | 7.50% | 3.42% |
| Q1 2026 | 6.67% | 2.85% | 4.15% | 7.23% | 3.52% |
| Q2 2026 | 6.71% | 2.80% | 4.23% | 7.32% | 3.55% |
Security 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 Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4178) · FFIEC NIC profile (RSSD 516855)