Belgrade State Bank: 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 0.17 percentage points in Q2 2026 to 4.31%, the biggest move on this page. Belgrade State Bank ranks 62nd of 192 Missouri banks on net interest margin, in the upper half at 4.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Belgrade State Bank sits 0.36 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 7.23% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 6.00% | 1.97% | 4.12% | 6.87% | 1.72% |
| Q4 2023 | 6.33% | 2.26% | 4.15% | 7.23% | 1.72% |
| Q1 2024 | 6.46% | 2.43% | 4.11% | 7.35% | 1.74% |
| Q2 2024 | 6.55% | 2.51% | 4.14% | 7.47% | 1.73% |
| Q3 2024 | 6.68% | 2.58% | 4.23% | 7.69% | 1.75% |
| Q4 2024 | 6.60% | 2.65% | 4.11% | 7.68% | 2.28% |
| Q1 2025 | 6.44% | 2.54% | 4.02% | 7.38% | 2.50% |
| Q2 2025 | 6.49% | 2.45% | 4.17% | 7.46% | 2.53% |
| Q3 2025 | 6.35% | 2.26% | 4.20% | 7.25% | 2.67% |
| Q4 2025 | 6.34% | 2.25% | 4.17% | 7.30% | 2.84% |
| Q1 2026 | 6.19% | 2.19% | 4.14% | 7.18% | 3.07% |
| Q2 2026 | 6.32% | 2.14% | 4.31% | 7.23% | 3.11% |
Belgrade State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Belgrade State Bank, 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 Belgrade State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12208) · FFIEC NIC profile (RSSD 761244)