Commercial 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, Net interest margin rose 0.24 percentage points in Q2 2026 to 3.48%, the biggest move on this page. Within Missouri, Commercial Bank is 160th of 192 on net interest margin, 3.48% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Commercial Bank sits 0.47 points lower, at 3.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 6.38% |
| Yield on securities | 1.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $938K |
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 | 4.15% | 1.79% | 2.54% | 5.44% | 1.98% |
| Q4 2023 | 4.34% | 1.89% | 2.64% | 5.74% | 1.97% |
| Q1 2024 | 4.39% | 2.06% | 2.42% | 5.78% | 1.94% |
| Q2 2024 | 4.43% | 2.03% | 2.52% | 5.80% | 1.96% |
| Q3 2024 | 4.57% | 1.95% | 2.74% | 6.00% | 2.04% |
| Q4 2024 | 4.64% | 1.73% | 3.05% | 6.14% | 2.03% |
| Q1 2025 | 4.61% | 1.73% | 2.97% | 6.05% | 2.00% |
| Q2 2025 | 4.73% | 1.68% | 3.16% | 6.16% | 2.00% |
| Q3 2025 | 4.87% | 1.68% | 3.30% | 6.33% | 1.96% |
| Q4 2025 | 4.90% | 1.61% | 3.42% | 6.30% | 1.88% |
| Q1 2026 | 4.82% | 1.69% | 3.24% | 6.10% | 1.85% |
| Q2 2026 | 5.06% | 1.70% | 3.48% | 6.38% | 1.86% |
Commercial 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 Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27409) · FFIEC NIC profile (RSSD 1225752)