Valor 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.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 4.88%, the biggest move on this page. Valor Bank ranks 34th of 169 Oklahoma banks on net interest margin, in the upper half at 4.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Valor Bank sits 0.94 points higher, at 4.88% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.38% |
| Yield on loans | 7.79% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.03% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.88% |
| Yield to cost spread | 4.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 6.81% | 2.98% | 4.03% | 6.95% |
| Q4 2023 | 7.02% | 3.41% | 3.84% | 7.15% |
| Q1 2024 | 6.97% | 3.53% | 3.68% | 7.15% |
| Q2 2024 | 7.10% | 3.56% | 3.78% | 7.31% |
| Q3 2024 | 7.35% | 3.71% | 3.87% | 7.59% |
| Q4 2024 | 7.26% | 3.53% | 3.94% | 7.52% |
| Q1 2025 | 7.22% | 3.21% | 4.21% | 7.54% |
| Q2 2025 | 7.35% | 3.10% | 4.44% | 7.68% |
| Q3 2025 | 7.49% | 2.99% | 4.70% | 7.86% |
| Q4 2025 | 7.34% | 2.91% | 4.67% | 7.77% |
| Q1 2026 | 7.20% | 2.78% | 4.62% | 7.59% |
| Q2 2026 | 7.38% | 2.71% | 4.88% | 7.79% |
Valor 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 Valor 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 Valor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9467) · FFIEC NIC profile (RSSD 129358)