Wisdom Heritage 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: 3.92 percentage points lower than in Q1 2026, at 42.70%. Wisdom Heritage Bank has the 17th lowest net interest margin of the 169 banks headquartered in Oklahoma, at 3.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Wisdom Heritage Bank sits 0.70 points lower, at 3.25% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.80% |
| Yield on securities | 4.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 3.58% |
| Cost of borrowings | 42.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $2.5M |
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 | 6.26% | 2.98% | 3.76% | 8.05% | 4.14% |
| Q4 2023 | 6.32% | 2.77% | 3.96% | 8.77% | 4.25% |
| Q1 2024 | 6.39% | 2.91% | 3.70% | 8.25% | 4.44% |
| Q2 2024 | 6.46% | 3.19% | 3.73% | 8.34% | 4.49% |
| Q3 2024 | 6.19% | 3.27% | 3.32% | 8.12% | 4.42% |
| Q4 2024 | 8.59% | 4.83% | 4.69% | 11.23% | 6.18% |
| Q1 2025 | 6.15% | 3.01% | 3.66% | 8.06% | 4.01% |
| Q2 2025 | 6.26% | 2.92% | 3.67% | 7.48% | 4.66% |
| Q3 2025 | 6.01% | 2.70% | 3.54% | 7.49% | 4.43% |
| Q4 2025 | 5.93% | 2.81% | 3.37% | 7.02% | 4.71% |
| Q1 2026 | 5.51% | 2.90% | 3.06% | 6.75% | 4.13% |
| Q2 2026 | 5.69% | 2.90% | 3.25% | 6.80% | 4.39% |
Wisdom Heritage 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 Wisdom Heritage 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 Wisdom Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9465) · FFIEC NIC profile (RSSD 246956)