Anstaff 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 4.06%. Anstaff Bank ranks 40th of 78 Arkansas banks on net interest margin, in the lower half at 4.06% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Anstaff Bank sits 0.35 points higher, at 4.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.1M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.6M |
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 | 4.96% | 1.96% | 3.10% |
| Q4 2023 | 5.11% | 2.38% | 2.86% |
| Q1 2024 | 5.35% | 2.56% | 2.92% |
| Q2 2024 | 5.37% | 2.60% | 2.91% |
| Q3 2024 | 5.65% | 2.65% | 3.14% |
| Q4 2024 | 5.75% | 2.61% | 3.29% |
| Q1 2025 | 5.67% | 2.41% | 3.42% |
| Q2 2025 | 5.88% | 2.33% | 3.68% |
| Q3 2025 | 5.94% | 2.34% | 3.75% |
| Q4 2025 | 6.03% | 2.32% | 3.85% |
| Q1 2026 | 5.93% | 2.18% | 3.88% |
| Q2 2026 | 6.04% | 2.12% | 4.06% |
Anstaff 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 Anstaff 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 Anstaff Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3869) · FFIEC NIC profile (RSSD 261940)