Chillicothe State 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 0.12 percentage points between Q1 2026 and Q2 2026, to 4.01%. Chillicothe State Bank ranks 101st of 192 Missouri banks on net interest margin, in the lower half at 4.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Chillicothe State Bank reported 4.01% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | 6.28% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.28% |
| Cost of interest-bearing liabilities | 1.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $283K |
| Interest expense on deposits | $283K |
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 | 3.60% | 0.71% | 2.95% | 5.71% | 1.10% |
| Q4 2023 | 3.88% | 0.72% | 3.20% | 5.97% | 1.11% |
| Q1 2024 | 3.98% | 0.73% | 3.31% | 6.04% | 1.28% |
| Q2 2024 | 4.17% | 0.76% | 3.46% | 6.17% | 1.46% |
| Q3 2024 | 4.24% | 0.78% | 3.50% | 6.29% | 1.55% |
| Q4 2024 | 4.35% | 0.79% | 3.60% | 6.34% | 1.78% |
| Q1 2025 | 4.30% | 0.78% | 3.57% | 6.21% | 1.93% |
| Q2 2025 | 4.56% | 0.81% | 3.81% | 6.33% | 2.09% |
| Q3 2025 | 4.68% | 0.89% | 3.85% | 6.37% | 2.22% |
| Q4 2025 | 4.76% | 0.88% | 3.94% | 6.37% | 2.46% |
| Q1 2026 | 4.68% | 0.85% | 3.89% | 6.22% | 2.65% |
| Q2 2026 | 4.86% | 0.91% | 4.01% | 6.28% | 2.84% |
Chillicothe State 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 Chillicothe State 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 Chillicothe State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15546) · FFIEC NIC profile (RSSD 504142)