Alliant 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 0.32 percentage points from Q1 2026 to Q2 2026, ending at 4.71% against 4.39%. It was the largest change among the key lines on this page. Within Missouri, Alliant Bank is 34th of 192 on net interest margin, 4.71% 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. Alliant Bank sits 0.76 points higher, at 4.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.46% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.71% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $805K |
| Interest expense on deposits | $805K |
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 | 5.41% | 1.05% | 4.42% | 5.62% | 2.64% |
| Q4 2023 | 5.69% | 1.11% | 4.64% | 5.88% | 2.78% |
| Q1 2024 | 5.69% | 1.29% | 4.47% | 5.95% | 2.54% |
| Q2 2024 | 5.88% | 1.55% | 4.42% | 6.14% | 2.64% |
| Q3 2024 | 6.05% | 1.73% | 4.39% | 6.33% | 2.73% |
| Q4 2024 | 5.97% | 1.81% | 4.25% | 6.27% | 2.80% |
| Q1 2025 | 5.87% | 1.78% | 4.15% | 6.20% | 2.80% |
| Q2 2025 | 6.09% | 1.78% | 4.34% | 6.40% | 2.93% |
| Q3 2025 | 6.07% | 1.76% | 4.32% | 6.42% | 2.91% |
| Q4 2025 | 6.06% | 1.72% | 4.37% | 6.49% | 3.19% |
| Q1 2026 | 5.89% | 1.53% | 4.39% | 6.34% | 2.98% |
| Q2 2026 | 6.06% | 1.38% | 4.71% | 6.46% | 2.98% |
Alliant 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 Alliant 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 Alliant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1946) · FFIEC NIC profile (RSSD 35057)