The State Bank of Wynnewood: 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.
Between Q2 2026 and Q3 2026, none of the key lines on this page moved by much; the largest change was in Cost of funds, from 1.75% to 1.77%. The State Bank of Wynnewood has the 9th lowest net interest margin of the 169 banks headquartered in Oklahoma, at 3.13% as of Q3 2026. The State Bank of Wynnewood reported 3.13% on net interest margin for Q3 2026, 0.82 points below the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | 6.56% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.47% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $804K |
| Total interest expense | $421K |
| Interest expense on deposits | $421K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.33% | 1.88% | 2.71% | 5.84% | 2.76% |
| Q1 2024 | 4.42% | 2.10% | 2.55% | 5.89% | 2.72% |
| Q2 2024 | 4.44% | 2.26% | 2.49% | 5.98% | 2.70% |
| Q3 2024 | 4.68% | 2.35% | 2.62% | 6.27% | 2.86% |
| Q4 2024 | 4.71% | 2.23% | 2.76% | 6.47% | 2.92% |
| Q1 2025 | 4.59% | 1.98% | 2.85% | 6.47% | 2.80% |
| Q2 2025 | 4.66% | 1.90% | 2.99% | 6.53% | 2.77% |
| Q3 2025 | 4.80% | 1.85% | 3.19% | 6.63% | 2.82% |
| Q4 2025 | 4.73% | 1.82% | 3.20% | 6.65% | 2.85% |
| Q1 2026 | 4.60% | 1.73% | 3.10% | 6.54% | 2.73% |
| Q2 2026 | 4.60% | 1.75% | 3.12% | 6.57% | 2.70% |
| Q3 2026 | 4.61% | 1.77% | 3.13% | 6.56% | 2.71% |
The State Bank of Wynnewood yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Wynnewood, 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 The State Bank of Wynnewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4232) · FFIEC NIC profile (RSSD 952257)