Washita State 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.
In Q2 2026, Cost of funds edged down by 0.15 percentage points, from 2.91% to 2.75%, the largest move among the key lines here. Washita State Bank ranks 82nd of 169 Oklahoma banks on net interest margin, in the upper half at 4.27% (Q2 2026). Washita State Bank reported 4.27% on net interest margin for Q2 2026, 0.38 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.54% |
| Yield on loans | 7.36% |
| Yield on securities | 5.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.75% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $551K |
| Total interest expense | $246K |
| Interest expense on deposits | $224K |
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 | 7.53% | 2.84% | 5.07% | 8.29% | 7.28% |
| Q4 2023 | 7.79% | 3.33% | 4.99% | 8.99% | 6.64% |
| Q1 2024 | 7.53% | 3.77% | 4.19% | 8.58% | 6.87% |
| Q2 2024 | 7.39% | 3.81% | 3.97% | 8.63% | 6.79% |
| Q3 2024 | 7.37% | 3.94% | 3.89% | 8.45% | 6.60% |
| Q4 2024 | 7.79% | 3.54% | 4.70% | 8.69% | 6.34% |
| Q1 2025 | 7.36% | 3.01% | 4.71% | 8.12% | 5.88% |
| Q2 2025 | 7.27% | 3.17% | 4.58% | 8.17% | 5.84% |
| Q3 2025 | 7.22% | 3.56% | 4.29% | 8.28% | 5.23% |
| Q4 2025 | 6.99% | 3.29% | 4.26% | 7.93% | 5.71% |
| Q1 2026 | 6.64% | 2.91% | 4.23% | 7.42% | 5.49% |
| Q2 2026 | 6.54% | 2.75% | 4.27% | 7.36% | 5.35% |
Washita State 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 Washita State 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 Washita State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22430) · FFIEC NIC profile (RSSD 1856)