Bank of Franklin County: 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 0.24 percentage points to 3.85%. Within Missouri, Bank of Franklin County is 124th of 192 on net interest margin, 3.85% as of Q2 2026, below the middle of the field. At 3.85%, Bank of Franklin County's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.36% |
| Yield on securities | 2.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 4.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.7M |
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 | 4.80% | 2.18% | 2.73% | 5.26% | 1.93% |
| Q4 2023 | 5.07% | 2.29% | 2.87% | 5.57% | 1.94% |
| Q1 2024 | 5.31% | 2.62% | 2.78% | 5.82% | 1.94% |
| Q2 2024 | 5.43% | 2.79% | 2.73% | 5.94% | 1.94% |
| Q3 2024 | 5.76% | 2.89% | 2.97% | 6.30% | 1.93% |
| Q4 2024 | 5.75% | 2.74% | 3.11% | 6.27% | 1.82% |
| Q1 2025 | 5.73% | 2.53% | 3.30% | 6.21% | 1.82% |
| Q2 2025 | 5.85% | 2.45% | 3.51% | 6.39% | 1.79% |
| Q3 2025 | 5.93% | 2.42% | 3.63% | 6.42% | 1.96% |
| Q4 2025 | 5.90% | 2.34% | 3.69% | 6.37% | 2.05% |
| Q1 2026 | 5.73% | 2.20% | 3.61% | 6.16% | 2.11% |
| Q2 2026 | 5.93% | 2.18% | 3.85% | 6.36% | 2.12% |
Bank of Franklin County 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 Franklin County, 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 Franklin County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35543) · FFIEC NIC profile (RSSD 2913702)