The Central Trust 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: Total interest expense edged down 2.1% between Q1 2026 and Q2 2026, to $64.3M. The Central Trust Bank ranks 97th of 192 Missouri banks on net interest margin, in the lower half at 4.04% (Q2 2026). The Central Trust Bank reported 4.04% on net interest margin for Q2 2026, 0.44 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.23% |
| Yield on securities | 4.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.11% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 2.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $179.9M |
| Total interest expense | $64.3M |
| Interest expense on deposits | $49.5M |
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 | 4.50% | 1.07% | 3.22% | 5.84% | 2.00% |
| Q4 2023 | 4.69% | 1.17% | 3.27% | 5.97% | 2.05% |
| Q1 2024 | 4.82% | 1.30% | 3.26% | 5.99% | 2.19% |
| Q2 2024 | 4.91% | 1.33% | 3.33% | 6.09% | 2.42% |
| Q3 2024 | 5.11% | 1.31% | 3.54% | 6.24% | 2.78% |
| Q4 2024 | 5.15% | 1.21% | 3.71% | 6.22% | 3.06% |
| Q1 2025 | 5.22% | 1.18% | 3.81% | 6.11% | 3.59% |
| Q2 2025 | 5.33% | 1.17% | 3.94% | 6.21% | 3.78% |
| Q3 2025 | 5.49% | 1.17% | 4.09% | 6.33% | 4.03% |
| Q4 2025 | 5.46% | 1.14% | 4.10% | 6.33% | 4.15% |
| Q1 2026 | 5.27% | 1.12% | 3.94% | 6.16% | 4.10% |
| Q2 2026 | 5.36% | 1.11% | 4.04% | 6.23% | 4.11% |
The Central Trust 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 Central Trust 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 Central Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12633) · FFIEC NIC profile (RSSD 853952)