Bank of Crocker: 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 0.07 percentage points, from 3.20% to 3.27%, the largest move among the key lines here. Within Missouri, Bank of Crocker is 172nd of 192 on net interest margin, 3.27% as of Q2 2026, below the middle of the field. Bank of Crocker reported 3.27% on net interest margin for Q2 2026, 0.68 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 7.17% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $821K |
| Total interest expense | $385K |
| Interest expense on deposits | $385K |
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 | 3.98% | 0.94% | 3.12% | 6.71% | 1.94% |
| Q4 2023 | 3.49% | 1.08% | 2.63% | 6.78% | 2.00% |
| Q1 2024 | 4.03% | 1.19% | 2.97% | 6.93% | 2.09% |
| Q2 2024 | 4.06% | 1.36% | 2.87% | 7.12% | 2.23% |
| Q3 2024 | 4.48% | 1.47% | 3.12% | 8.06% | 2.55% |
| Q4 2024 | 4.45% | 1.45% | 3.12% | 8.10% | 2.56% |
| Q1 2025 | 4.30% | 1.43% | 3.00% | 7.37% | 2.36% |
| Q2 2025 | 4.49% | 1.40% | 3.22% | 7.47% | 2.52% |
| Q3 2025 | 4.60% | 1.31% | 3.39% | 7.55% | 2.64% |
| Q4 2025 | 4.47% | 1.25% | 3.34% | 7.51% | 2.67% |
| Q1 2026 | 4.32% | 1.20% | 3.20% | 7.12% | 2.67% |
| Q2 2026 | 4.35% | 1.16% | 3.27% | 7.17% | 2.78% |
Bank of Crocker 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 of Crocker, 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 of Crocker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1937) · FFIEC NIC profile (RSSD 765354)