CNB St. Louis 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.
Compared with Q1 2026, Total interest expense fell 3.1% in Q2 2026 to $4.5M, the biggest move on this page. CNB St. Louis Bank ranks 154th of 192 Missouri banks on net interest margin, in the lower half at 3.53% (Q2 2026). CNB St. Louis Bank reported 3.53% on net interest margin for Q2 2026, 0.42 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 4.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.8M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.90% | 2.29% | 2.76% |
| Q4 2023 | 5.09% | 2.42% | 2.85% |
| Q1 2024 | 5.05% | 2.56% | 2.66% |
| Q2 2024 | 5.36% | 2.70% | 2.85% |
| Q3 2024 | 5.62% | 2.82% | 3.02% |
| Q4 2024 | 5.63% | 2.76% | 3.12% |
| Q1 2025 | 5.62% | 2.74% | 3.13% |
| Q2 2025 | 5.81% | 2.71% | 3.25% |
| Q3 2025 | 5.82% | 2.70% | 3.33% |
| Q4 2025 | 5.67% | 2.59% | 3.32% |
| Q1 2026 | 5.59% | 2.40% | 3.41% |
| Q2 2026 | 5.68% | 2.36% | 3.53% |
CNB St. Louis 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 CNB St. Louis 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 CNB St. Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4549) · FFIEC NIC profile (RSSD 870650)