Spiritbank: 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 fell 3.3% from Q1 2026 to Q2 2026, ending at $5.1M against $5.3M. It was the largest change among the key lines on this page. Within Oklahoma, Spiritbank is 138th of 169 on net interest margin, 3.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Spiritbank sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.83% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.6M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.1M |
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 | 5.83% | 1.93% | 3.77% | 6.17% | 2.58% |
| Q4 2023 | 6.03% | 2.13% | 3.70% | 6.42% | 3.05% |
| Q1 2024 | 5.86% | 2.53% | 3.28% | 6.24% | 3.52% |
| Q2 2024 | 6.03% | 2.52% | 3.49% | 6.49% | 3.42% |
| Q3 2024 | 6.21% | 2.84% | 3.67% | 6.69% | 3.55% |
| Q4 2024 | 6.28% | 2.69% | 3.89% | 6.84% | 3.61% |
| Q1 2025 | 6.14% | 2.63% | 3.76% | 6.73% | 3.81% |
| Q2 2025 | 6.09% | 2.82% | 3.51% | 6.94% | 3.69% |
| Q3 2025 | 6.24% | 2.87% | 3.63% | 7.26% | 3.80% |
| Q4 2025 | 6.11% | 2.74% | 3.60% | 7.29% | 3.80% |
| Q1 2026 | 5.87% | 2.55% | 3.53% | 6.85% | 4.06% |
| Q2 2026 | 5.86% | 2.64% | 3.60% | 6.83% | 3.86% |
Spiritbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiritbank, 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 Spiritbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4048) · FFIEC NIC profile (RSSD 142955)