Bank 21: 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 standout move of Q2 2026 was in Yield on securities: 1.26 percentage points higher than in Q1 2026, at 3.54%. Among 191 Missouri banks, Bank 21 sits 11th from the top on net interest margin, 5.27% as of Q2 2026. Bank 21 reported 5.27% on net interest margin for Q2 2026, 1.33 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.22% |
| Yield on loans | 7.36% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.27% |
| Yield to cost spread | 4.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $916K |
| Interest expense on deposits | $812K |
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 | 6.10% | 1.63% | 4.59% | 6.24% | 1.77% |
| Q4 2023 | 5.99% | 1.96% | 4.16% | 6.11% | 2.11% |
| Q1 2024 | 6.49% | 2.19% | 4.41% | 6.66% | 2.20% |
| Q2 2024 | 6.71% | 2.28% | 4.53% | 6.92% | 2.39% |
| Q3 2024 | 7.23% | 2.32% | 5.07% | 7.47% | 1.81% |
| Q4 2024 | 7.35% | 2.35% | 5.18% | 7.61% | 1.79% |
| Q1 2025 | 7.16% | 2.19% | 5.13% | 7.41% | 1.66% |
| Q2 2025 | 7.34% | 2.16% | 5.35% | 7.54% | 1.66% |
| Q3 2025 | 7.61% | 2.27% | 5.48% | 7.79% | 1.53% |
| Q4 2025 | 7.33% | 2.28% | 5.22% | 7.50% | 2.43% |
| Q1 2026 | 7.19% | 2.13% | 5.23% | 7.34% | 2.28% |
| Q2 2026 | 7.22% | 2.12% | 5.27% | 7.36% | 3.54% |
Bank 21 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 21, 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 Bank 21 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8560) · FFIEC NIC profile (RSSD 634544)