Community State 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.9% to $1.4M. Community State Bank of Missouri ranks 134th of 192 Missouri banks on net interest margin, in the lower half at 3.72% (Q2 2026). Community State Bank of Missouri reported 3.72% on net interest margin for Q2 2026, 0.23 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.08% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.20% | 1.16% | 3.11% | 4.93% | 1.93% |
| Q4 2023 | 4.43% | 1.34% | 3.19% | 5.16% | 1.97% |
| Q1 2024 | 4.58% | 1.50% | 3.16% | 5.27% | 2.01% |
| Q2 2024 | 5.65% | 1.78% | 3.99% | 6.58% | 2.05% |
| Q3 2024 | 4.98% | 2.00% | 3.13% | 5.67% | 2.03% |
| Q4 2024 | 5.03% | 2.19% | 3.02% | 5.74% | 2.27% |
| Q1 2025 | 4.99% | 2.06% | 3.04% | 5.67% | 2.61% |
| Q2 2025 | 5.23% | 2.07% | 3.29% | 5.87% | 2.89% |
| Q3 2025 | 4.90% | 2.01% | 3.04% | 5.39% | 3.06% |
| Q4 2025 | 5.40% | 1.89% | 3.64% | 6.09% | 3.21% |
| Q1 2026 | 5.34% | 1.84% | 3.59% | 6.01% | 3.42% |
| Q2 2026 | 5.42% | 1.83% | 3.72% | 6.08% | 3.51% |
Community State 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 State 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 State Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1936) · FFIEC NIC profile (RSSD 825548)