The Cornerstone 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.
In Q2 2026, Total interest expense edged up by 1.8%, from $1.0M to $1.1M, the largest move among the key lines here. On net interest margin, The Cornerstone Bank ranks 7th highest among the 192 banks headquartered in Missouri, at 5.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Cornerstone Bank sits 1.56 points higher, at 5.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.58% |
| Yield on loans | 8.50% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 5.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.51% |
| Yield to cost spread | 4.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.64% | 1.90% | 4.94% | 7.91% | 2.41% |
| Q4 2023 | 6.94% | 2.15% | 5.03% | 8.19% | 2.35% |
| Q1 2024 | 7.25% | 2.60% | 4.92% | 8.58% | 2.43% |
| Q2 2024 | 7.09% | 2.47% | 4.90% | 8.50% | 2.52% |
| Q3 2024 | 7.49% | 3.02% | 5.14% | 8.83% | 2.62% |
| Q4 2024 | 7.54% | 2.91% | 4.98% | 8.88% | 2.70% |
| Q1 2025 | 7.45% | 2.47% | 5.26% | 8.79% | 2.75% |
| Q2 2025 | 7.57% | 2.40% | 5.43% | 8.84% | 2.87% |
| Q3 2025 | 7.61% | 2.44% | 5.45% | 8.86% | 2.93% |
| Q4 2025 | 7.67% | 2.40% | 5.55% | 8.73% | 3.13% |
| Q1 2026 | 7.56% | 2.33% | 5.47% | 8.56% | 3.16% |
| Q2 2026 | 7.58% | 2.32% | 5.51% | 8.50% | 3.30% |
The Cornerstone 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 The Cornerstone 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 The Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9388) · FFIEC NIC profile (RSSD 312356)