First Bank of the Lake: 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 Net interest margin: 0.40 percentage points lower than in Q1 2026, at 2.94%. On net interest margin, First Bank of the Lake is 8th from the bottom among 192 Missouri banks, 2.94% (Q2 2026). First Bank of the Lake reported 2.94% on net interest margin for Q2 2026, 0.77 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 6.77% |
| Yield on securities | 7.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.24% |
| Cost of interest-bearing deposits | 4.02% |
| Cost of interest-bearing liabilities | 3.99% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.3M |
| Total interest expense | $21.2M |
| Interest expense on deposits | $20.0M |
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 | 9.01% | 3.99% | 5.27% | 9.18% | 3.54% |
| Q4 2023 | 8.52% | 4.43% | 4.41% | 8.71% | 4.16% |
| Q1 2024 | 8.83% | 4.83% | 4.58% | 9.01% | 4.59% |
| Q2 2024 | 8.56% | 5.16% | 4.13% | 8.69% | 4.84% |
| Q3 2024 | 8.28% | 4.84% | 3.78% | 8.40% | 5.07% |
| Q4 2024 | 8.01% | 4.59% | 3.73% | 8.04% | 6.86% |
| Q1 2025 | 7.33% | 4.38% | 3.22% | 7.36% | 2.54% |
| Q2 2025 | 7.57% | 4.30% | 3.54% | 7.46% | 5.30% |
| Q3 2025 | 7.73% | 4.27% | 3.71% | 7.63% | 9.49% |
| Q4 2025 | 7.45% | 4.22% | 3.55% | 7.42% | 7.50% |
| Q1 2026 | 6.96% | 4.04% | 3.34% | 7.01% | 7.49% |
| Q2 2026 | 6.60% | 4.24% | 2.94% | 6.77% | 7.48% |
First Bank of the Lake yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of the Lake, 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 First Bank of the Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26960) · FFIEC NIC profile (RSSD 758851)