Cass Commercial 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.97%. Within Missouri, Cass Commercial Bank is 107th of 192 on net interest margin, 3.97% as of Q2 2026, below the middle of the field. Cass Commercial Bank reported 3.97% on net interest margin for Q2 2026, 0.26 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 5.86% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.7M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 4.72% | 1.36% | 3.02% | 4.90% | 3.28% |
| Q4 2023 | 4.81% | 1.49% | 3.05% | 4.96% | 3.30% |
| Q1 2024 | 4.80% | 1.39% | 2.99% | 4.99% | 3.24% |
| Q2 2024 | 5.01% | 1.67% | 3.17% | 5.19% | 3.47% |
| Q3 2024 | 5.27% | 1.70% | 3.44% | 5.41% | 3.90% |
| Q4 2024 | 5.14% | 1.45% | 3.52% | 5.40% | 3.68% |
| Q1 2025 | 5.10% | 1.35% | 3.62% | 5.52% | 3.32% |
| Q2 2025 | 5.21% | 1.39% | 3.71% | 5.60% | 2.84% |
| Q3 2025 | 5.25% | 1.38% | 3.75% | 5.70% | 2.94% |
| Q4 2025 | 5.22% | 1.20% | 3.87% | 5.74% | 2.84% |
| Q1 2026 | 5.12% | 1.11% | 3.87% | 5.73% | 2.68% |
| Q2 2026 | 5.24% | 1.15% | 3.97% | 5.86% | 2.67% |
Cass Commercial 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 Cass Commercial 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 Cass Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1068) · FFIEC NIC profile (RSSD 177751)