Bank of Monticello: 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.
Compared with Q1 2026, Net interest margin rose 0.23 percentage points in Q2 2026 to 4.33%, the biggest move on this page. Within Missouri, Bank of Monticello is 61st of 192 on net interest margin, 4.33% 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 Monticello sits 0.38 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 7.39% |
| Yield on securities | 3.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.25% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 4.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $636K |
| Interest expense on deposits | $624K |
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 | 5.49% | 1.47% | 4.14% | 6.74% | 2.70% |
| Q4 2023 | 5.71% | 1.90% | 3.98% | 7.15% | 2.68% |
| Q1 2024 | 5.87% | 2.10% | 3.94% | 7.38% | 2.82% |
| Q2 2024 | 6.02% | 2.25% | 3.96% | 7.57% | 2.88% |
| Q3 2024 | 6.15% | 2.52% | 3.83% | 7.74% | 2.95% |
| Q4 2024 | 5.60% | 2.37% | 3.46% | 6.92% | 3.06% |
| Q1 2025 | 5.82% | 2.11% | 3.88% | 7.42% | 3.12% |
| Q2 2025 | 6.05% | 2.02% | 4.20% | 7.58% | 3.25% |
| Q3 2025 | 6.36% | 2.09% | 4.42% | 7.83% | 3.35% |
| Q4 2025 | 6.20% | 1.98% | 4.35% | 7.71% | 3.43% |
| Q1 2026 | 5.79% | 1.82% | 4.10% | 7.32% | 3.34% |
| Q2 2026 | 5.99% | 1.81% | 4.33% | 7.39% | 3.38% |
Bank of Monticello 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 Monticello, 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 Monticello profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12232) · FFIEC NIC profile (RSSD 937553)