Farmers and Merchants Bank of St. Clair: 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, Net interest margin edged down by 0.07 percentage points, from 3.98% to 3.91%, the largest move among the key lines here. Within Missouri, Farmers and Merchants Bank of St. Clair is 115th of 192 on net interest margin, 3.91% 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; Farmers and Merchants Bank of St. Clair reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.43% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.82% | 1.70% | 3.20% | 5.67% | 2.80% |
| Q4 2023 | 5.13% | 1.82% | 3.42% | 6.12% | 2.86% |
| Q1 2024 | 5.09% | 1.95% | 3.25% | 6.04% | 2.93% |
| Q2 2024 | 5.33% | 2.04% | 3.40% | 6.34% | 2.92% |
| Q3 2024 | 5.42% | 2.09% | 3.46% | 6.44% | 2.96% |
| Q4 2024 | 5.42% | 2.06% | 3.49% | 6.47% | 2.89% |
| Q1 2025 | 5.16% | 2.05% | 3.22% | 6.25% | 2.96% |
| Q2 2025 | 5.38% | 1.94% | 3.58% | 6.48% | 3.11% |
| Q3 2025 | 5.58% | 1.75% | 3.96% | 6.60% | 3.18% |
| Q4 2025 | 5.56% | 1.70% | 3.99% | 6.56% | 3.22% |
| Q1 2026 | 5.54% | 1.67% | 3.98% | 6.47% | 3.22% |
| Q2 2026 | 5.46% | 1.68% | 3.91% | 6.43% | 3.22% |
Farmers and Merchants Bank of St. Clair yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of St. Clair, 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 Farmers and Merchants Bank of St. Clair profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14056) · FFIEC NIC profile (RSSD 266851)