Century Bank of the Ozarks: 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, Yield on securities rose 0.37 percentage points in Q2 2026 to 2.28%, the biggest move on this page. Among 192 Missouri banks, Century Bank of the Ozarks sits 16th from the top on net interest margin, 5.15% as of Q2 2026. Century Bank of the Ozarks reported 5.15% on net interest margin for Q2 2026, 1.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 7.06% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.15% |
| Yield to cost spread | 4.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.02% | 1.00% | 5.09% | 6.27% | 1.01% |
| Q4 2023 | 6.09% | 1.23% | 4.94% | 6.37% | 0.96% |
| Q1 2024 | 6.28% | 1.46% | 4.90% | 6.57% | 0.99% |
| Q2 2024 | 6.48% | 1.59% | 4.98% | 6.79% | 1.08% |
| Q3 2024 | 6.66% | 1.67% | 5.10% | 6.97% | 1.13% |
| Q4 2024 | 6.90% | 1.62% | 5.37% | 7.19% | 1.19% |
| Q1 2025 | 6.63% | 1.55% | 5.17% | 7.02% | 1.29% |
| Q2 2025 | 6.81% | 1.61% | 5.29% | 7.16% | 1.37% |
| Q3 2025 | 6.92% | 1.62% | 5.40% | 7.24% | 1.52% |
| Q4 2025 | 6.94% | 1.60% | 5.44% | 7.29% | 1.69% |
| Q1 2026 | 6.77% | 1.50% | 5.32% | 7.10% | 1.91% |
| Q2 2026 | 6.70% | 1.61% | 5.15% | 7.06% | 2.28% |
Century Bank of the Ozarks yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of the Ozarks, 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 Century Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8296) · FFIEC NIC profile (RSSD 904359)