Security State 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.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 4.56%, the biggest move on this page. Within Oklahoma, Security State Bank is 56th of 169 on net interest margin, 4.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Security State Bank sits 0.62 points higher, at 4.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 7.11% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $931K |
| Interest expense on deposits | $931K |
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 | 5.66% | 1.37% | 4.42% | 7.17% | 2.74% |
| Q4 2023 | 5.73% | 1.85% | 4.05% | 7.32% | 2.69% |
| Q1 2024 | 5.81% | 1.98% | 4.06% | 7.11% | 3.45% |
| Q2 2024 | 6.12% | 1.69% | 4.18% | 7.62% | 3.48% |
| Q3 2024 | 6.26% | 2.21% | 4.23% | 7.71% | 3.47% |
| Q4 2024 | 6.11% | 2.25% | 4.10% | 7.51% | 3.53% |
| Q1 2025 | 5.78% | 1.98% | 4.00% | 6.85% | 3.69% |
| Q2 2025 | 5.71% | 1.92% | 3.97% | 6.98% | 3.66% |
| Q3 2025 | 5.91% | 1.88% | 4.23% | 6.95% | 3.95% |
| Q4 2025 | 6.09% | 1.74% | 4.49% | 7.39% | 4.13% |
| Q1 2026 | 5.69% | 1.56% | 4.30% | 6.63% | 3.88% |
| Q2 2026 | 5.92% | 1.49% | 4.56% | 7.11% | 3.86% |
Security State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 421) · FFIEC NIC profile (RSSD 58551)