Sooner 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.
Total interest expense rose 3.9% from Q1 2026 to Q2 2026, ending at $1.4M against $1.3M. It was the largest change among the key lines on this page. Sooner State Bank ranks 37th of 169 Oklahoma banks on net interest margin, in the upper half at 4.87% (Q2 2026). Sooner State Bank reported 4.87% on net interest margin for Q2 2026, 0.92 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | 7.79% |
| Yield on securities | 3.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.38% | 1.40% | 4.04% | 6.88% | 2.66% |
| Q4 2023 | 5.59% | 1.52% | 4.14% | 7.13% | 2.76% |
| Q1 2024 | 5.91% | 1.68% | 4.33% | 7.52% | 3.09% |
| Q2 2024 | 6.07% | 1.72% | 4.45% | 7.54% | 3.26% |
| Q3 2024 | 6.19% | 1.82% | 4.51% | 7.80% | 3.29% |
| Q4 2024 | 6.19% | 1.80% | 4.55% | 7.67% | 3.41% |
| Q1 2025 | 6.47% | 1.76% | 4.83% | 8.01% | 3.46% |
| Q2 2025 | 6.51% | 1.81% | 4.85% | 7.89% | 3.38% |
| Q3 2025 | 6.54% | 1.84% | 4.86% | 7.81% | 3.50% |
| Q4 2025 | 6.58% | 1.87% | 4.90% | 7.85% | 3.53% |
| Q1 2026 | 6.62% | 1.86% | 4.96% | 7.85% | 3.58% |
| Q2 2026 | 6.53% | 1.85% | 4.87% | 7.79% | 3.47% |
Sooner 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 Sooner 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 Sooner State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 402) · FFIEC NIC profile (RSSD 534756)