Security Bank of the Ozarks: 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 0.07 percentage points, from 4.84% to 4.91%, the largest move among the key lines here. Security Bank of the Ozarks ranks 25th of 192 Missouri banks on net interest margin, in the upper half at 4.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Bank of the Ozarks sits 0.96 points higher, at 4.91% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 7.76% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.91% |
| Yield to cost spread | 4.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $547K |
| Interest expense on deposits | $547K |
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 | 5.93% | 1.18% | 4.70% | 7.22% | 2.36% |
| Q4 2023 | 6.35% | 1.28% | 5.01% | 7.70% | 2.45% |
| Q1 2024 | 6.37% | 1.49% | 4.83% | 7.80% | 2.36% |
| Q2 2024 | 6.46% | 1.68% | 4.70% | 7.90% | 2.42% |
| Q3 2024 | 6.47% | 1.81% | 4.59% | 7.95% | 2.47% |
| Q4 2024 | 6.45% | 1.90% | 4.51% | 7.89% | 2.52% |
| Q1 2025 | 6.20% | 1.77% | 4.40% | 7.64% | 2.42% |
| Q2 2025 | 7.10% | 1.75% | 5.31% | 8.79% | 2.60% |
| Q3 2025 | 6.56% | 1.69% | 4.86% | 8.07% | 2.71% |
| Q4 2025 | 6.50% | 1.62% | 4.88% | 8.03% | 2.83% |
| Q1 2026 | 6.36% | 1.50% | 4.84% | 7.77% | 3.01% |
| Q2 2026 | 6.45% | 1.53% | 4.91% | 7.76% | 3.13% |
Security Bank of the Ozarks 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 of the Ozarks, 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 of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18033) · FFIEC NIC profile (RSSD 956358)