America's Community 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.98% to 4.10%, the largest move among the key lines here. America's Community Bank ranks 88th of 192 Missouri banks on net interest margin, in the upper half at 4.10% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. America's Community Bank sits 0.21 points higher, at 4.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.74% |
| Yield on loans | 6.98% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.40% |
| Cost of interest-bearing deposits | 3.23% |
| Cost of interest-bearing liabilities | 3.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $992K |
| Total interest expense | $419K |
| Interest expense on deposits | $322K |
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 | 6.20% | 2.14% | 4.18% | 6.25% | — |
| Q4 2023 | 6.41% | 2.57% | 4.14% | 6.47% | — |
| Q1 2024 | 6.60% | 2.99% | 3.97% | 6.71% | 0.00% |
| Q2 2024 | 6.73% | 3.14% | 4.01% | 6.85% | 0.00% |
| Q3 2024 | 6.90% | 3.21% | 4.14% | 7.05% | 0.00% |
| Q4 2024 | 6.99% | 3.11% | 4.33% | 7.22% | 0.00% |
| Q1 2025 | 6.91% | 3.16% | 4.28% | 7.13% | 0.00% |
| Q2 2025 | 7.09% | 3.12% | 4.54% | 7.35% | 0.00% |
| Q3 2025 | 7.32% | 3.25% | 4.66% | 7.50% | 0.00% |
| Q4 2025 | 7.16% | 3.31% | 4.56% | 7.34% | 0.00% |
| Q1 2026 | 6.67% | 3.58% | 3.98% | 6.93% | 0.00% |
| Q2 2026 | 6.74% | 3.40% | 4.10% | 6.98% | 0.00% |
America's Community 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 America's Community 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 America's Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8893) · FFIEC NIC profile (RSSD 440857)