The Citizens-Farmers Bank of Cole Camp: 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 0.51 percentage points in Q2 2026 to 3.84%, the biggest move on this page. Within Missouri, The Citizens-Farmers Bank of Cole Camp is 78th of 192 on net interest margin, 4.19% as of Q2 2026, above the middle of the field. The Citizens-Farmers Bank of Cole Camp reported 4.19% on net interest margin for Q2 2026, 0.24 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 7.25% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $918K |
| Interest expense on deposits | $918K |
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 | 5.20% | 1.95% | 3.42% | 6.27% | 1.97% |
| Q4 2023 | 5.41% | 2.05% | 3.56% | 6.58% | 1.96% |
| Q1 2024 | 5.57% | 2.44% | 3.30% | 6.72% | 2.16% |
| Q2 2024 | 5.78% | 2.40% | 3.58% | 6.86% | 2.27% |
| Q3 2024 | 5.99% | 2.45% | 3.76% | 7.16% | 2.37% |
| Q4 2024 | 6.04% | 2.60% | 3.68% | 7.26% | 2.26% |
| Q1 2025 | 5.99% | 2.39% | 3.78% | 7.12% | 2.46% |
| Q2 2025 | 6.16% | 2.26% | 4.10% | 7.34% | 2.65% |
| Q3 2025 | 6.28% | 2.26% | 4.23% | 7.47% | 3.26% |
| Q4 2025 | 6.30% | 2.24% | 4.27% | 7.45% | 3.16% |
| Q1 2026 | 6.08% | 2.11% | 4.14% | 7.22% | 3.33% |
| Q2 2026 | 6.07% | 2.08% | 4.19% | 7.25% | 3.84% |
The Citizens-Farmers Bank of Cole Camp 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 Citizens-Farmers Bank of Cole Camp, 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 Citizens-Farmers Bank of Cole Camp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11463) · FFIEC NIC profile (RSSD 385547)