Bank of Labor: 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, Yield on loans edged up by 0.14 percentage points, from 5.60% to 5.74%, the largest move among the key lines here. Within Kansas, Bank of Labor is 146th of 182 on net interest margin, 3.50% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Labor sits 0.21 points lower, at 3.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.40% |
| Yield on loans | 5.74% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.21% |
| Cost of borrowings | 0.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 4.48% | 1.06% | 3.49% | 6.09% | 3.41% |
| Q4 2023 | 4.61% | 1.10% | 3.59% | 6.12% | 3.58% |
| Q1 2024 | 4.78% | 1.24% | 3.64% | 6.23% | 3.72% |
| Q2 2024 | 4.83% | 1.41% | 3.49% | 6.13% | 3.91% |
| Q3 2024 | 4.86% | 1.36% | 3.59% | 6.50% | 3.77% |
| Q4 2024 | 4.64% | 1.21% | 3.53% | 6.04% | 3.83% |
| Q1 2025 | 4.54% | 1.14% | 3.47% | 5.93% | 3.73% |
| Q2 2025 | 4.58% | 1.18% | 3.49% | 5.95% | 3.82% |
| Q3 2025 | 4.71% | 1.24% | 3.56% | 6.10% | 3.91% |
| Q4 2025 | 4.52% | 1.07% | 3.54% | 5.76% | 3.84% |
| Q1 2026 | 4.41% | 0.98% | 3.51% | 5.60% | 3.82% |
| Q2 2026 | 4.40% | 0.96% | 3.50% | 5.74% | 3.69% |
Bank of Labor 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 Labor, 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 Labor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1874) · FFIEC NIC profile (RSSD 246657)