Bank of New Madrid: 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 standout move of Q3 2026 was in Cost of borrowings: 3.95 percentage points higher than in Q2 2026, at 3.95%. Bank of New Madrid ranks 41st of 192 Missouri banks on net interest margin, in the upper half at 4.65% (Q3 2026). Bank of New Madrid reported 4.65% on net interest margin for Q3 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.96% |
| Yield on securities | 4.40% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.04% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $354K |
| Interest expense on deposits | $310K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.00% | 1.24% | 3.85% | 6.49% | 2.92% |
| Q1 2024 | 5.14% | 1.45% | 3.76% | 6.53% | 3.08% |
| Q2 2024 | 5.40% | 1.53% | 3.96% | 6.64% | 3.32% |
| Q3 2024 | 5.67% | 1.50% | 4.26% | 6.99% | 3.58% |
| Q4 2024 | 5.56% | 1.42% | 4.24% | 6.85% | 3.80% |
| Q1 2025 | 5.45% | 1.47% | 4.09% | 6.89% | 3.95% |
| Q2 2025 | 5.71% | 1.43% | 4.39% | 7.05% | 4.17% |
| Q3 2025 | 5.78% | 1.41% | 4.51% | 6.98% | 4.15% |
| Q4 2025 | 5.78% | 1.39% | 4.53% | 6.99% | 4.16% |
| Q1 2026 | 5.54% | 1.30% | 4.36% | 6.85% | 4.22% |
| Q2 2026 | 5.76% | 1.28% | 4.62% | 7.09% | 4.34% |
| Q3 2026 | 5.90% | 1.41% | 4.65% | 6.96% | 4.40% |
Bank of New Madrid 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 New Madrid, 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 New Madrid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14701) · FFIEC NIC profile (RSSD 688556)