Security State Bank of Oklahoma: 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 standout move of Q2 2026 was in Cost of borrowings: 1.89 percentage points higher than in Q1 2026, at 3.68%. Within Oklahoma, Security State Bank of Oklahoma is 31st of 169 on net interest margin, 5.02% as of Q2 2026, above the middle of the field. Security State Bank of Oklahoma reported 5.02% on net interest margin for Q2 2026, 1.07 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.62% |
| Yield on loans | 8.38% |
| Yield on securities | 4.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.02% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.1M |
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 | 5.75% | 1.40% | 4.51% | 6.90% | 4.03% |
| Q4 2023 | 5.22% | 1.80% | 3.63% | 5.93% | 4.14% |
| Q1 2024 | 5.80% | 1.95% | 4.10% | 6.97% | 4.14% |
| Q2 2024 | 6.11% | 2.00% | 4.37% | 7.60% | 4.20% |
| Q3 2024 | 6.33% | 2.08% | 4.53% | 8.00% | 4.22% |
| Q4 2024 | 6.39% | 2.05% | 4.59% | 8.30% | 4.13% |
| Q1 2025 | 6.25% | 1.82% | 4.60% | 8.03% | 4.23% |
| Q2 2025 | 6.40% | 1.88% | 4.69% | 8.31% | 4.33% |
| Q3 2025 | 6.46% | 2.00% | 4.69% | 8.12% | 4.56% |
| Q4 2025 | 6.62% | 1.83% | 4.96% | 8.57% | 4.58% |
| Q1 2026 | 6.39% | 1.49% | 4.97% | 7.97% | 4.71% |
| Q2 2026 | 6.62% | 1.78% | 5.02% | 8.38% | 4.68% |
Security State Bank of Oklahoma 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 of Oklahoma, 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 of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8980) · FFIEC NIC profile (RSSD 52951)