The Bank of Old Monroe: 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 Q2 2026 was in Cost of borrowings: 3.11 percentage points lower than in Q1 2026, at 0.64%. Within Missouri, The Bank of Old Monroe is 156th of 192 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bank of Old Monroe sits 0.44 points lower, at 3.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.82% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.89% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | 0.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.3M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.1M |
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 | 4.97% | 1.42% | 3.67% | 6.27% | 3.27% |
| Q4 2023 | 5.23% | 1.61% | 3.51% | 6.47% | 3.38% |
| Q1 2024 | 5.32% | 2.02% | 3.46% | 6.41% | 3.37% |
| Q2 2024 | 5.51% | 2.21% | 3.47% | 6.83% | 3.33% |
| Q3 2024 | 5.91% | 2.34% | 3.76% | 7.14% | 3.82% |
| Q4 2024 | 5.73% | 2.42% | 3.52% | 7.14% | 3.32% |
| Q1 2025 | 5.58% | 2.29% | 3.47% | 6.97% | 3.19% |
| Q2 2025 | 5.71% | 2.20% | 3.70% | 7.12% | 3.39% |
| Q3 2025 | 5.82% | 2.23% | 3.76% | 7.19% | 3.37% |
| Q4 2025 | 5.82% | 2.12% | 3.89% | 7.10% | 3.18% |
| Q1 2026 | 5.59% | 2.20% | 3.57% | 6.90% | 2.79% |
| Q2 2026 | 5.56% | 2.24% | 3.51% | 6.82% | 2.71% |
The Bank of Old Monroe yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Old Monroe, 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 The Bank of Old Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1655) · FFIEC NIC profile (RSSD 880855)