Alton 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 0.23 percentage points from Q1 2026 to Q2 2026, ending at 3.62% against 3.39%. It was the largest change among the key lines on this page. Alton Bank ranks 144th of 191 Missouri banks on net interest margin, in the lower half at 3.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Alton Bank sits 0.32 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 8.17% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.68% |
| Cost of interest-bearing deposits | 3.27% |
| Cost of interest-bearing liabilities | 3.26% |
| Cost of borrowings | 3.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $871K |
| Interest expense on deposits | $824K |
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 | 4.50% | 2.47% | 2.23% | 7.48% | 1.65% |
| Q4 2023 | 4.94% | 2.79% | 2.18% | 7.56% | 1.75% |
| Q1 2024 | 5.21% | 2.90% | 2.33% | 7.77% | 1.84% |
| Q2 2024 | 5.39% | 3.00% | 2.44% | 7.93% | 1.86% |
| Q3 2024 | 5.59% | 3.11% | 2.53% | 8.11% | 1.90% |
| Q4 2024 | 5.64% | 3.05% | 2.66% | 8.06% | 2.07% |
| Q1 2025 | 5.51% | 2.86% | 2.64% | 7.91% | 2.12% |
| Q2 2025 | 5.84% | 2.87% | 2.98% | 8.38% | 2.29% |
| Q3 2025 | 5.86% | 2.89% | 3.04% | 8.27% | 2.33% |
| Q4 2025 | 5.94% | 2.81% | 3.20% | 8.23% | 2.42% |
| Q1 2026 | 5.98% | 2.67% | 3.39% | 7.99% | 2.84% |
| Q2 2026 | 6.40% | 2.68% | 3.62% | 8.17% | 3.02% |
Alton 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 Alton 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 Alton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8276) · FFIEC NIC profile (RSSD 881441)