The Security National Bank of Enid: 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.
Compared with Q1 2026, Total interest expense rose 4.6% in Q2 2026 to $1.7M, the biggest move on this page. The Security National Bank of Enid has the 15th lowest net interest margin of the 169 banks headquartered in Oklahoma, at 3.22% as of Q2 2026. The Security National Bank of Enid reported 3.22% on net interest margin for Q2 2026, 0.73 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 5.56% |
| Yield on securities | 4.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 3.81% | 1.54% | 2.39% | 4.61% | 2.77% |
| Q4 2023 | 4.06% | 1.65% | 2.51% | 4.82% | 2.92% |
| Q1 2024 | 4.22% | 1.78% | 2.54% | 4.96% | 3.00% |
| Q2 2024 | 4.38% | 1.85% | 2.64% | 4.91% | 3.45% |
| Q3 2024 | 4.45% | 2.03% | 2.54% | 5.10% | 3.32% |
| Q4 2024 | 4.55% | 1.97% | 2.67% | 5.19% | 3.57% |
| Q1 2025 | 4.51% | 1.97% | 2.62% | 5.18% | 3.43% |
| Q2 2025 | 4.75% | 2.06% | 2.85% | 5.41% | 3.71% |
| Q3 2025 | 4.81% | 2.03% | 2.96% | 5.50% | 3.76% |
| Q4 2025 | 4.88% | 1.89% | 3.16% | 5.54% | 3.84% |
| Q1 2026 | 4.81% | 1.86% | 3.08% | 5.43% | 3.87% |
| Q2 2026 | 4.97% | 1.90% | 3.22% | 5.56% | 4.17% |
The Security National Bank of Enid yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security National Bank of Enid, 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 The Security National Bank of Enid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14966) · FFIEC NIC profile (RSSD 119153)