BTC 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.
Total interest expense climbed 20.1% in Q2 2026, from $8.1M to $9.8M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, BTC Bank is 68th of 191 on net interest margin, 4.26% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. BTC Bank sits 0.55 points higher, at 4.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.51% |
| Yield on loans | 6.98% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 3.03% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.2M |
| Total interest expense | $9.8M |
| Interest expense on deposits | $7.3M |
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 | 5.63% | 1.29% | 4.32% | 6.54% | 2.49% |
| Q4 2023 | 5.87% | 1.99% | 3.83% | 6.75% | 2.49% |
| Q1 2024 | 5.99% | 1.83% | 4.11% | 6.88% | 2.44% |
| Q2 2024 | 6.23% | 2.10% | 4.10% | 7.08% | 2.45% |
| Q3 2024 | 6.49% | 2.38% | 4.07% | 7.32% | 2.56% |
| Q4 2024 | 6.62% | 2.31% | 4.28% | 7.38% | 2.60% |
| Q1 2025 | 6.51% | 2.20% | 4.26% | 7.19% | 2.60% |
| Q2 2025 | 6.64% | 2.21% | 4.41% | 7.32% | 2.63% |
| Q3 2025 | 6.76% | 2.25% | 4.53% | 7.39% | 2.62% |
| Q4 2025 | 6.89% | 2.25% | 4.61% | 7.43% | 2.62% |
| Q1 2026 | 6.57% | 2.14% | 4.38% | 7.19% | 2.61% |
| Q2 2026 | 6.51% | 2.24% | 4.26% | 6.98% | 3.15% |
BTC 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 BTC 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 BTC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10618) · FFIEC NIC profile (RSSD 1009242)