Connections 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.
The standout move of Q2 2026 was in Cost of borrowings: 3.48 percentage points higher than in Q1 2026, at 3.48%. Connections Bank ranks 26th of 191 Missouri banks on net interest margin, in the upper half at 4.80% (Q2 2026). Connections Bank reported 4.80% on net interest margin for Q2 2026, 0.86 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 6.84% |
| Yield on securities | 4.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 3.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.80% |
| Yield to cost spread | 4.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | 5.45% | 1.39% | 4.14% | 5.58% | 3.60% |
| Q4 2023 | 10.16% | 3.43% | 6.90% | 10.52% | 6.17% |
| Q1 2024 | 5.97% | 1.95% | 4.11% | 6.09% | 3.85% |
| Q2 2024 | 6.29% | 2.10% | 4.28% | 6.33% | 5.09% |
| Q3 2024 | 6.49% | 2.08% | 4.52% | 6.62% | 5.24% |
| Q4 2024 | 6.30% | 2.07% | 4.34% | 6.43% | 5.27% |
| Q1 2025 | 6.30% | 2.01% | 4.38% | 6.55% | 5.12% |
| Q2 2025 | 6.61% | 2.11% | 4.61% | 6.80% | 5.17% |
| Q3 2025 | 6.48% | 2.11% | 4.48% | 6.84% | 5.27% |
| Q4 2025 | 6.71% | 1.93% | 4.89% | 6.95% | 5.22% |
| Q1 2026 | 6.53% | 1.86% | 4.76% | 6.83% | 4.96% |
| Q2 2026 | 6.56% | 1.88% | 4.80% | 6.84% | 4.92% |
Connections 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 Connections 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 Connections Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14025) · FFIEC NIC profile (RSSD 646556)