Commercial Trust Company of Fayette: 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.
Yield on securities rose 0.59 percentage points from Q1 2026 to Q2 2026, ending at 2.72% against 2.13%. It was the largest change among the key lines on this page. Within Missouri, Commercial Trust Company of Fayette is 130th of 192 on net interest margin, 3.74% as of Q2 2026, below the middle of the field. Commercial Trust Company of Fayette reported 3.74% on net interest margin for Q2 2026, 0.21 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 6.41% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 3.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $702K |
| Interest expense on deposits | $687K |
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 | 4.55% | 1.91% | 2.80% | 5.76% | 1.30% |
| Q4 2023 | 4.86% | 1.99% | 3.05% | 5.89% | 1.49% |
| Q1 2024 | 4.93% | 2.11% | 3.03% | 6.04% | 1.52% |
| Q2 2024 | 5.24% | 2.14% | 3.29% | 6.18% | 1.30% |
| Q3 2024 | 5.37% | 2.14% | 3.44% | 6.34% | 1.34% |
| Q4 2024 | 5.55% | 2.16% | 3.62% | 6.40% | 1.58% |
| Q1 2025 | 5.37% | 2.08% | 3.46% | 6.28% | 1.55% |
| Q2 2025 | 5.57% | 2.10% | 3.68% | 6.55% | 1.45% |
| Q3 2025 | 5.58% | 2.10% | 3.66% | 6.48% | 1.47% |
| Q4 2025 | 5.62% | 1.96% | 3.82% | 6.47% | 1.69% |
| Q1 2026 | 5.43% | 1.93% | 3.65% | 6.36% | 2.13% |
| Q2 2026 | 5.52% | 1.95% | 3.74% | 6.41% | 2.72% |
Commercial Trust Company of Fayette 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 Trust Company of Fayette, 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 Trust Company of Fayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9791) · FFIEC NIC profile (RSSD 709451)