Edward Jones Trust Company: 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 Yield to cost spread: 1.11 percentage points higher than in Q1 2026, at -29.90%. Within Missouri, Edward Jones Trust Company is 150th of 192 on net interest margin, 3.58% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Edward Jones Trust Company sits 0.37 points lower, at 3.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.70% |
| Yield on loans | — |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 33.60% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 33.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | -29.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $42K |
| Interest expense on deposits | $3K |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 3.99% | 42.40% | 3.80% | 3.30% |
| Q4 2023 | 3.92% | 44.00% | 3.72% | 3.20% |
| Q1 2024 | 3.87% | 43.20% | 3.68% | 3.25% |
| Q2 2024 | 4.06% | 42.40% | 3.87% | 3.43% |
| Q3 2024 | 4.06% | 44.00% | 3.88% | 3.41% |
| Q4 2024 | 3.96% | 43.20% | 3.78% | 3.47% |
| Q1 2025 | 3.71% | 42.40% | 3.54% | 3.46% |
| Q2 2025 | 3.81% | 41.60% | 3.64% | 3.48% |
| Q3 2025 | 3.82% | 42.40% | 3.67% | 3.47% |
| Q4 2025 | 3.73% | 41.60% | 3.57% | 3.43% |
| Q1 2026 | 3.39% | 34.40% | 3.27% | 3.44% |
| Q2 2026 | 3.70% | 33.60% | 3.58% | 3.52% |
Edward Jones Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Edward Jones Trust Company, 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 Edward Jones Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28390) · FFIEC NIC profile (RSSD 3529315)