Bank of Grandin: 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 4.07%. Within Missouri, Bank of Grandin is 91st of 192 on net interest margin, 4.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Grandin sits 0.12 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.58% |
| Yield on loans | 8.46% |
| Yield on securities | 1.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.86% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 4.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.26% | 2.90% | 2.69% | 8.10% | 1.66% |
| Q4 2023 | 5.47% | 3.06% | 2.72% | 8.36% | 1.83% |
| Q1 2024 | 5.73% | 3.14% | 2.91% | 8.65% | 1.77% |
| Q2 2024 | 5.88% | 3.30% | 2.97% | 8.74% | 1.58% |
| Q3 2024 | 5.78% | 3.40% | 2.78% | 8.54% | 1.60% |
| Q4 2024 | 5.94% | 3.21% | 3.11% | 8.65% | 1.59% |
| Q1 2025 | 6.16% | 2.95% | 3.54% | 8.89% | 1.66% |
| Q2 2025 | 6.08% | 2.90% | 3.51% | 8.55% | 1.61% |
| Q3 2025 | 6.33% | 2.95% | 3.71% | 8.76% | 1.75% |
| Q4 2025 | 6.53% | 3.00% | 3.87% | 8.76% | 1.90% |
| Q1 2026 | 6.39% | 2.89% | 3.83% | 8.41% | 1.90% |
| Q2 2026 | 6.58% | 2.86% | 4.07% | 8.46% | 1.94% |
Bank of Grandin 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 Grandin, 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 Grandin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9392) · FFIEC NIC profile (RSSD 1351)