Exchange Bank Co.: 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.
Compared with Q1 2026, Cost of borrowings rose 0.28 percentage points in Q2 2026 to 4.16%, the biggest move on this page. Exchange Bank Co. ranks 64th of 192 Missouri banks on net interest margin, in the upper half at 4.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Exchange Bank Co. sits 0.35 points higher, at 4.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 |
|---|---|---|---|
| Q3 2023 | 5.00% | 1.18% | 3.87% |
| Q4 2023 | 4.94% | 1.26% | 3.76% |
| Q1 2024 | 5.25% | 1.38% | 3.92% |
| Q2 2024 | 5.51% | 1.63% | 3.96% |
| Q3 2024 | 5.77% | 1.88% | 4.00% |
| Q4 2024 | 8.32% | 2.64% | 5.85% |
| Q1 2025 | 5.88% | 1.83% | 4.13% |
| Q2 2025 | 5.90% | 1.76% | 4.24% |
| Q3 2025 | 6.05% | 1.72% | 4.43% |
| Q4 2025 | 6.07% | 1.72% | 4.46% |
| Q1 2026 | 5.79% | 1.62% | 4.26% |
| Q2 2026 | 5.84% | 1.63% | 4.30% |
Exchange Bank Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank Co., 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 Exchange Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8274) · FFIEC NIC profile (RSSD 2747466)