Community Bank of Missouri: 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 0.11 percentage points between Q1 2026 and Q2 2026, to 5.51%. On net interest margin, Community Bank of Missouri ranks 7th highest among the 192 banks headquartered in Missouri, at 5.51% (Q2 2026). Community Bank of Missouri reported 5.51% on net interest margin for Q2 2026, 1.62 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.64% |
| Yield on loans | 7.63% |
| Yield on securities | 4.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.51% |
| Yield to cost spread | 4.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $251K |
| Interest expense on deposits | $251K |
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 | 6.52% | 0.50% | 6.06% | 7.06% | 3.69% |
| Q4 2023 | 6.34% | 0.65% | 5.75% | 7.21% | 3.64% |
| Q1 2024 | 6.41% | 0.74% | 5.74% | 6.88% | 3.93% |
| Q2 2024 | 6.88% | 1.05% | 5.94% | 7.35% | 3.59% |
| Q3 2024 | 6.76% | 1.15% | 5.70% | 7.56% | 4.37% |
| Q4 2024 | 6.77% | 1.20% | 5.69% | 7.69% | 4.44% |
| Q1 2025 | 6.29% | 1.21% | 5.19% | 7.46% | 4.55% |
| Q2 2025 | 6.49% | 1.12% | 5.46% | 7.76% | 4.66% |
| Q3 2025 | 6.82% | 1.13% | 5.79% | 7.76% | 4.92% |
| Q4 2025 | 6.89% | 1.16% | 5.86% | 7.91% | 4.88% |
| Q1 2026 | 6.44% | 1.15% | 5.40% | 7.72% | 4.88% |
| Q2 2026 | 6.64% | 1.24% | 5.51% | 7.63% | 4.99% |
Community Bank of Missouri yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Missouri, 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 Community Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57141) · FFIEC NIC profile (RSSD 3005097)