Triad 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.
Net interest margin rose 0.22 percentage points from Q1 2026 to Q2 2026, ending at 5.26% against 5.04%. It was the largest change among the key lines on this page. Triad Bank, N.A. ranks 19th of 169 Oklahoma banks on net interest margin, in the upper half at 5.26% (Q2 2026). Triad Bank, N.A. reported 5.26% on net interest margin for Q2 2026, 1.31 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.18% |
| Yield on loans | 6.77% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.26% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $491K |
| Interest expense on deposits | $468K |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.21% | 1.10% | 5.16% | 6.65% |
| Q4 2023 | 6.27% | 1.24% | 5.17% | 6.71% |
| Q1 2024 | 6.46% | 1.28% | 5.25% | 6.79% |
| Q2 2024 | 6.59% | 1.21% | 5.49% | 7.17% |
| Q3 2024 | 6.48% | 1.23% | 5.35% | 7.24% |
| Q4 2024 | 6.07% | 1.12% | 5.11% | 7.09% |
| Q1 2025 | 5.97% | 1.17% | 4.92% | 6.73% |
| Q2 2025 | 6.23% | 1.19% | 5.18% | 7.12% |
| Q3 2025 | 6.16% | 1.12% | 5.13% | 7.07% |
| Q4 2025 | 5.99% | 1.13% | 5.06% | 6.91% |
| Q1 2026 | 6.03% | 1.12% | 5.04% | 6.54% |
| Q2 2026 | 6.18% | 1.03% | 5.26% | 6.77% |
Triad 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 Triad 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 Triad Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24677) · FFIEC NIC profile (RSSD 283652)