Security First National Bank of Hugo: 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 Net interest margin, which fell 0.29 percentage points to 5.46%. On net interest margin, Security First National Bank of Hugo ranks 10th highest among the 169 banks headquartered in Oklahoma, at 5.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security First National Bank of Hugo sits 1.51 points higher, at 5.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.92% |
| Yield on loans | 7.78% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.46% |
| Yield to cost spread | 4.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $468K |
| Interest expense on deposits | $468K |
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 | 7.24% | 0.62% | 6.63% | 8.05% | 4.26% |
| Q4 2023 | 7.62% | 0.84% | 6.80% | 8.32% | 4.58% |
| Q1 2024 | 8.00% | 0.96% | 7.06% | 8.53% | 4.93% |
| Q2 2024 | 7.79% | 1.11% | 6.70% | 8.26% | 5.03% |
| Q3 2024 | 8.39% | 1.25% | 7.18% | 8.87% | 4.96% |
| Q4 2024 | 8.09% | 1.36% | 6.80% | 8.65% | 4.80% |
| Q1 2025 | 7.90% | 1.35% | 6.59% | 8.49% | 4.49% |
| Q2 2025 | 8.03% | 1.42% | 6.65% | 8.68% | 4.36% |
| Q3 2025 | 8.03% | 1.41% | 6.66% | 8.75% | 4.12% |
| Q4 2025 | 7.63% | 1.48% | 6.22% | 8.48% | 4.04% |
| Q1 2026 | 7.23% | 1.52% | 5.75% | 8.11% | 3.75% |
| Q2 2026 | 6.92% | 1.52% | 5.46% | 7.78% | 3.70% |
Security First National Bank of Hugo 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 First National Bank of Hugo, 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 First National Bank of Hugo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 432) · FFIEC NIC profile (RSSD 422657)