The Callaway 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 0.21 percentage points in Q2 2026 to 4.52%, the biggest move on this page. The Callaway Bank ranks 47th of 192 Missouri banks on net interest margin, in the upper half at 4.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Callaway Bank sits 0.57 points higher, at 4.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.42% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | 2.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
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 | 4.83% | 1.71% | 3.19% | 5.56% | 1.23% |
| Q4 2023 | 5.07% | 1.78% | 3.38% | 5.83% | 1.24% |
| Q1 2024 | 5.21% | 1.96% | 3.36% | 6.02% | 1.26% |
| Q2 2024 | 5.41% | 1.94% | 3.57% | 6.19% | 1.19% |
| Q3 2024 | 5.61% | 2.05% | 3.66% | 6.41% | 1.28% |
| Q4 2024 | 5.65% | 1.96% | 3.78% | 6.50% | 1.60% |
| Q1 2025 | 5.52% | 1.78% | 3.81% | 6.22% | 1.91% |
| Q2 2025 | 5.76% | 1.70% | 4.14% | 6.50% | 2.14% |
| Q3 2025 | 5.83% | 1.71% | 4.21% | 6.59% | 2.30% |
| Q4 2025 | 5.89% | 1.58% | 4.38% | 6.53% | 2.50% |
| Q1 2026 | 5.64% | 1.39% | 4.31% | 6.40% | 2.59% |
| Q2 2026 | 5.79% | 1.35% | 4.52% | 6.42% | 2.85% |
The Callaway 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 The Callaway 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 The Callaway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12223) · FFIEC NIC profile (RSSD 719656)