Valliance 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.
The standout move of Q2 2026 was in Cost of borrowings: 1.26 percentage points higher than in Q1 2026, at 4.54%. Within Oklahoma, Valliance Bank is 120th of 169 on net interest margin, 3.84% 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; Valliance Bank reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 6.48% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.57% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 4.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.0M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.5M |
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 | 5.90% | 2.09% | 4.00% | 6.24% | 2.18% |
| Q4 2023 | 6.06% | 2.43% | 3.83% | 6.40% | 2.32% |
| Q1 2024 | 6.26% | 2.58% | 3.86% | 6.58% | 2.52% |
| Q2 2024 | 6.28% | 2.77% | 3.70% | 6.56% | 2.64% |
| Q3 2024 | 6.46% | 2.78% | 3.84% | 6.78% | 2.65% |
| Q4 2024 | 6.32% | 2.70% | 3.85% | 6.73% | 2.69% |
| Q1 2025 | 6.14% | 2.69% | 3.67% | 6.54% | 2.98% |
| Q2 2025 | 7.23% | 2.68% | 4.77% | 7.72% | 3.14% |
| Q3 2025 | 11.54% | 2.66% | 9.13% | 12.66% | 3.49% |
| Q4 2025 | 6.43% | 2.51% | 4.18% | 6.87% | 3.59% |
| Q1 2026 | 6.52% | 2.41% | 4.33% | 6.93% | 3.68% |
| Q2 2026 | 6.14% | 2.57% | 3.84% | 6.48% | 3.69% |
Valliance 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 Valliance 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 Valliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57841) · FFIEC NIC profile (RSSD 3267738)