Exchange Bank of Missouri: 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, Total interest expense rose 3.2% in Q2 2026 to $2.9M, the biggest move on this page. Exchange Bank of Missouri ranks 99th of 192 Missouri banks on net interest margin, in the lower half at 4.02% (Q2 2026). At 4.02%, Exchange Bank of Missouri's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.71% |
| Yield on loans | 7.49% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.81% |
| Cost of interest-bearing deposits | 3.26% |
| Cost of interest-bearing liabilities | 3.26% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 6.51% | 2.46% | 3.98% | 7.15% | 2.02% |
| Q4 2023 | 6.64% | 2.85% | 3.87% | 7.28% | 1.80% |
| Q1 2024 | 6.67% | 2.93% | 3.77% | 7.45% | 1.84% |
| Q2 2024 | 6.93% | 3.15% | 3.89% | 7.75% | 1.86% |
| Q3 2024 | 7.23% | 3.34% | 4.00% | 8.07% | 2.10% |
| Q4 2024 | 7.22% | 3.34% | 4.00% | 8.25% | 1.85% |
| Q1 2025 | 6.91% | 3.10% | 3.85% | 7.80% | 1.96% |
| Q2 2025 | 7.33% | 3.11% | 4.28% | 8.21% | 2.63% |
| Q3 2025 | 7.29% | 3.06% | 4.35% | 8.03% | 2.05% |
| Q4 2025 | 6.97% | 2.78% | 4.29% | 7.83% | 2.36% |
| Q1 2026 | 6.78% | 2.76% | 4.12% | 7.67% | 2.36% |
| Q2 2026 | 6.71% | 2.81% | 4.02% | 7.49% | 2.64% |
Exchange Bank of Missouri 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 of Missouri, 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 of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1616) · FFIEC NIC profile (RSSD 686459)