SNB Bank, N.A.: 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 Net interest margin: 1.38 percentage points lower than in Q1 2026, at 3.16%. On net interest margin, SNB Bank, N.A. is 13th from the bottom among 169 Oklahoma banks, 3.16% (Q2 2026). SNB Bank, N.A. reported 3.16% on net interest margin for Q2 2026, 0.79 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 5.75% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 3.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $627K |
| Interest expense on deposits | $620K |
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 | 5.15% | 2.04% | 3.40% | 5.44% | 4.06% |
| Q4 2023 | 4.43% | 2.52% | 2.26% | 4.58% | 3.40% |
| Q1 2024 | 5.82% | 2.55% | 3.42% | 6.09% | 3.92% |
| Q2 2024 | 5.84% | 2.65% | 3.38% | 6.18% | 3.93% |
| Q3 2024 | 6.41% | 2.79% | 3.79% | 6.76% | 4.53% |
| Q4 2024 | 7.90% | 2.72% | 5.29% | 8.67% | 2.79% |
| Q1 2025 | 5.84% | 2.40% | 3.50% | 6.01% | 4.12% |
| Q2 2025 | 6.31% | 2.32% | 4.17% | 6.73% | 4.67% |
| Q3 2025 | 5.75% | 2.25% | 3.56% | 6.07% | 4.80% |
| Q4 2025 | 5.81% | 2.32% | 3.50% | 6.12% | 4.64% |
| Q1 2026 | 6.76% | 2.40% | 4.54% | 7.44% | 4.41% |
| Q2 2026 | 5.28% | 2.22% | 3.16% | 5.75% | 3.84% |
SNB Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock SNB Bank, N.A., 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 SNB Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4196) · FFIEC NIC profile (RSSD 394156)