Alliance 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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 4.26% against 4.11%. It was the largest change among the key lines on this page. Alliance Bank ranks 68th of 192 Missouri banks on net interest margin, in the upper half at 4.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Alliance Bank sits 0.31 points higher, at 4.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.9M |
| 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 |
|---|---|---|---|
| Q3 2023 | 6.10% | 1.88% | 4.35% |
| Q4 2023 | 6.24% | 2.26% | 4.14% |
| Q1 2024 | 6.32% | 2.44% | 4.07% |
| Q2 2024 | 6.47% | 2.62% | 4.06% |
| Q3 2024 | 6.61% | 2.74% | 4.10% |
| Q4 2024 | 6.54% | 2.71% | 4.04% |
| Q1 2025 | 6.38% | 2.46% | 4.10% |
| Q2 2025 | 6.54% | 2.39% | 4.39% |
| Q3 2025 | 6.55% | 2.42% | 4.34% |
| Q4 2025 | 6.45% | 2.35% | 4.29% |
| Q1 2026 | 6.17% | 2.23% | 4.11% |
| Q2 2026 | 6.25% | 2.18% | 4.26% |
Alliance 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 Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34566) · FFIEC NIC profile (RSSD 2619714)