First Independent Bank: 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.13 percentage points between Q1 2026 and Q2 2026, to 2.72%. First Independent Bank ranks 123rd of 192 Missouri banks on net interest margin, in the lower half at 3.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First Independent Bank reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 7.57% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $537K |
| Interest expense on deposits | $537K |
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 | 4.15% | 1.36% | 2.89% | 6.57% | 1.35% |
| Q4 2023 | 4.43% | 1.60% | 2.96% | 6.98% | 1.37% |
| Q1 2024 | 4.75% | 1.85% | 3.05% | 7.34% | 1.43% |
| Q2 2024 | 4.98% | 1.86% | 3.27% | 7.55% | 1.42% |
| Q3 2024 | 5.17% | 1.90% | 3.42% | 7.73% | 1.43% |
| Q4 2024 | 5.29% | 1.96% | 3.50% | 7.84% | 1.62% |
| Q1 2025 | 5.25% | 1.85% | 3.54% | 7.64% | 1.84% |
| Q2 2025 | 5.29% | 1.82% | 3.64% | 7.71% | 2.19% |
| Q3 2025 | 5.41% | 1.79% | 3.80% | 7.80% | 2.38% |
| Q4 2025 | 5.54% | 1.75% | 3.96% | 7.97% | 2.42% |
| Q1 2026 | 5.36% | 1.69% | 3.82% | 7.50% | 2.59% |
| Q2 2026 | 5.39% | 1.67% | 3.86% | 7.57% | 2.72% |
First Independent Bank 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 Independent Bank, 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18380) · FFIEC NIC profile (RSSD 366658)