Welch State Bank of Welch, OKLA.: 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 borrowings edged down by 0.23 percentage points, from 4.29% to 4.07%, the largest move among the key lines here. Within Oklahoma, Welch State Bank of Welch, OKLA. is 32nd of 169 on net interest margin, 5.00% 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. Welch State Bank of Welch, OKLA. sits 1.05 points higher, at 5.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 7.92% |
| Yield on securities | 3.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.00% |
| Yield to cost spread | 4.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.0M |
| 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 | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.65% | 1.85% | 4.27% | 6.47% | 3.52% |
| Q4 2023 | 5.94% | 2.08% | 4.44% | 6.87% | 3.66% |
| Q1 2024 | 5.89% | 2.36% | 4.14% | 6.79% | 3.73% |
| Q2 2024 | 6.02% | 2.53% | 4.11% | 6.97% | 3.61% |
| Q3 2024 | 6.35% | 2.70% | 4.34% | 7.38% | 3.73% |
| Q4 2024 | 6.52% | 2.59% | 4.60% | 7.60% | 3.73% |
| Q1 2025 | 6.38% | 2.49% | 4.48% | 7.43% | 3.74% |
| Q2 2025 | 6.42% | 2.49% | 4.48% | 7.62% | 3.10% |
| Q3 2025 | 6.83% | 2.62% | 4.80% | 7.89% | 3.81% |
| Q4 2025 | 6.92% | 2.59% | 4.91% | 7.95% | 3.86% |
| Q1 2026 | 6.84% | 2.46% | 4.93% | 7.87% | 3.84% |
| Q2 2026 | 6.88% | 2.38% | 5.00% | 7.92% | 3.81% |
Welch State Bank of Welch, OKLA. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Welch State Bank of Welch, OKLA., 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 Welch State Bank of Welch, OKLA. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9472) · FFIEC NIC profile (RSSD 416656)