Security Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.39 percentage points to 2.55%. Within Oklahoma, Security Bank and Trust Company is 58th of 169 on net interest margin, 4.49% as of Q2 2026, above the middle of the field. Security Bank and Trust Company reported 4.49% on net interest margin for Q2 2026, 0.54 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.91% |
| Yield on loans | 7.39% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 3.04% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 2.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $930K |
| Interest expense on deposits | $889K |
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 | 6.36% | 1.97% | 4.46% | 7.04% | 2.27% |
| Q4 2023 | 6.48% | 2.38% | 4.21% | 7.12% | 2.45% |
| Q1 2024 | 6.60% | 2.66% | 4.04% | 7.22% | 2.64% |
| Q2 2024 | 6.75% | 2.94% | 3.95% | 7.41% | 2.66% |
| Q3 2024 | 6.92% | 3.13% | 3.92% | 7.55% | 2.65% |
| Q4 2024 | 7.01% | 3.14% | 4.02% | 7.68% | 2.23% |
| Q1 2025 | 6.93% | 2.93% | 4.12% | 7.58% | 2.28% |
| Q2 2025 | 7.06% | 2.94% | 4.31% | 7.72% | 2.48% |
| Q3 2025 | 7.12% | 2.93% | 4.31% | 7.77% | 2.74% |
| Q4 2025 | 7.12% | 2.83% | 4.41% | 7.81% | 2.74% |
| Q1 2026 | 6.93% | 2.50% | 4.55% | 7.47% | 2.68% |
| Q2 2026 | 6.91% | 2.53% | 4.49% | 7.39% | 2.86% |
Security Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9881) · FFIEC NIC profile (RSSD 19356)