Bank of Versailles: 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 0.16 percentage points in Q2 2026 to 3.90%, the biggest move on this page. Bank of Versailles ranks 116th of 192 Missouri banks on net interest margin, in the lower half at 3.90% (Q2 2026). At 3.90%, Bank of Versailles's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 5.42% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $810K |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.49% | 1.24% | 3.41% | 4.39% |
| Q4 2023 | 4.66% | 1.47% | 3.38% | 4.57% |
| Q1 2024 | 4.75% | 1.61% | 3.34% | 4.67% |
| Q2 2024 | 4.86% | 1.59% | 3.47% | 4.78% |
| Q3 2024 | 5.01% | 1.63% | 3.60% | 4.95% |
| Q4 2024 | 5.05% | 1.69% | 3.59% | 5.06% |
| Q1 2025 | 4.97% | 1.76% | 3.43% | 5.02% |
| Q2 2025 | 5.11% | 1.71% | 3.62% | 5.14% |
| Q3 2025 | 5.27% | 1.81% | 3.71% | 5.33% |
| Q4 2025 | 5.29% | 1.81% | 3.74% | 5.39% |
| Q1 2026 | 5.18% | 1.67% | 3.74% | 5.30% |
| Q2 2026 | 5.30% | 1.63% | 3.90% | 5.42% |
Bank of Versailles 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 Versailles, 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 Versailles profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1086) · FFIEC NIC profile (RSSD 625850)