YNB: 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 0.16 percentage points in Q2 2026 to 3.74%, the biggest move on this page. Within Oklahoma, YNB is 126th of 169 on net interest margin, 3.74% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. YNB sits 0.20 points lower, at 3.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 7.42% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $999K |
| Interest expense on deposits | $993K |
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 | 4.66% | 0.67% | 4.01% | 6.90% | 1.83% |
| Q4 2023 | 4.68% | 0.73% | 3.97% | 6.87% | 1.94% |
| Q1 2024 | 4.71% | 0.80% | 3.93% | 6.92% | 1.97% |
| Q2 2024 | 4.85% | 0.90% | 3.97% | 7.06% | 1.96% |
| Q3 2024 | 4.87% | 1.59% | 3.33% | 7.00% | 1.80% |
| Q4 2024 | 4.93% | 1.22% | 3.76% | 7.08% | 1.74% |
| Q1 2025 | 4.91% | 1.47% | 3.50% | 6.99% | 1.78% |
| Q2 2025 | 4.86% | 1.51% | 3.41% | 6.88% | 1.81% |
| Q3 2025 | 5.07% | 1.53% | 3.60% | 7.25% | 2.00% |
| Q4 2025 | 4.83% | 1.51% | 3.45% | 7.18% | 2.32% |
| Q1 2026 | 5.15% | 1.61% | 3.58% | 7.33% | 2.48% |
| Q2 2026 | 5.35% | 1.66% | 3.74% | 7.42% | 2.62% |
YNB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock YNB, 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 YNB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4235) · FFIEC NIC profile (RSSD 953852)