Watermark 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 0.24 percentage points in Q2 2026 to 4.37%, the biggest move on this page. Within Oklahoma, Watermark Bank is 70th of 169 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Watermark Bank sits 0.42 points higher, at 4.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.57% |
| Yield on loans | 6.99% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 3.03% |
| Cost of interest-bearing liabilities | 3.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 6.83% | 3.15% | 4.10% | 7.25% | 3.02% |
| Q4 2023 | 6.79% | 3.37% | 3.85% | 7.22% | 3.08% |
| Q1 2024 | 6.76% | 3.37% | 3.85% | 7.13% | 3.39% |
| Q2 2024 | 7.06% | 3.41% | 4.11% | 7.43% | 3.41% |
| Q3 2024 | 7.11% | 3.58% | 4.03% | 7.60% | 3.36% |
| Q4 2024 | 6.80% | 3.19% | 4.03% | 7.33% | 3.27% |
| Q1 2025 | 6.55% | 2.91% | 4.03% | 7.20% | 3.30% |
| Q2 2025 | 6.82% | 2.84% | 4.35% | 7.22% | 3.49% |
| Q3 2025 | 6.84% | 2.80% | 4.44% | 7.30% | 4.26% |
| Q4 2025 | 6.53% | 2.75% | 4.15% | 7.11% | 3.91% |
| Q1 2026 | 6.35% | 2.58% | 4.13% | 6.88% | 3.24% |
| Q2 2026 | 6.57% | 2.53% | 4.37% | 6.99% | 3.23% |
Watermark 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 Watermark 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 Watermark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59148) · FFIEC NIC profile (RSSD 5313312)