Concordia 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.
Net interest margin rose 0.13 percentage points from Q1 2026 to Q2 2026, ending at 4.66% against 4.53%. It was the largest change among the key lines on this page. Concordia Bank ranks 39th of 192 Missouri banks on net interest margin, in the upper half at 4.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Concordia Bank sits 0.71 points higher, at 4.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 6.88% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.66% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $445K |
| Interest expense on deposits | $445K |
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 | 5.55% | 0.86% | 4.80% | 6.21% | 2.45% |
| Q4 2023 | 5.72% | 1.40% | 4.54% | 6.31% | 2.50% |
| Q1 2024 | 5.81% | 1.77% | 4.33% | 6.41% | 2.50% |
| Q2 2024 | 6.08% | 1.81% | 4.56% | 6.74% | 2.62% |
| Q3 2024 | 6.04% | 2.07% | 4.23% | 6.55% | 2.55% |
| Q4 2024 | 6.52% | 2.06% | 4.72% | 7.10% | 2.59% |
| Q1 2025 | 6.01% | 1.96% | 4.34% | 6.61% | 2.52% |
| Q2 2025 | 6.04% | 1.91% | 4.42% | 6.86% | 2.47% |
| Q3 2025 | 6.28% | 1.81% | 4.60% | 7.14% | 1.79% |
| Q4 2025 | 6.16% | 1.91% | 4.49% | 6.97% | 2.70% |
| Q1 2026 | 6.07% | 1.75% | 4.53% | 6.94% | 2.65% |
| Q2 2026 | 6.09% | 1.62% | 4.66% | 6.88% | 2.73% |
Concordia 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 Concordia 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 Concordia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13788) · FFIEC NIC profile (RSSD 164957)