First Midwest Bank of Dexter: 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 0.59 percentage points in Q2 2026 to 3.31%, the biggest move on this page. Within Missouri, First Midwest Bank of Dexter is 90th of 192 on net interest margin, 4.08% as of Q2 2026, above the middle of the field. First Midwest Bank of Dexter reported 4.08% on net interest margin for Q2 2026, 0.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | 6.79% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.58% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.6M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.3M |
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 | 5.69% | 2.71% | 3.37% | 5.95% | 2.82% |
| Q4 2023 | 5.68% | 2.68% | 3.23% | 5.92% | 2.45% |
| Q1 2024 | 6.00% | 3.01% | 3.10% | 6.26% | 2.53% |
| Q2 2024 | 6.22% | 3.19% | 3.22% | 6.46% | 2.81% |
| Q3 2024 | 6.39% | 3.30% | 3.25% | 6.71% | 2.51% |
| Q4 2024 | 6.38% | 3.03% | 3.46% | 6.67% | 2.56% |
| Q1 2025 | 6.27% | 2.98% | 3.41% | 6.57% | 2.49% |
| Q2 2025 | 6.43% | 3.05% | 3.56% | 6.78% | 2.47% |
| Q3 2025 | 6.43% | 3.18% | 3.47% | 6.90% | 2.80% |
| Q4 2025 | 6.43% | 2.96% | 3.66% | 6.84% | 3.27% |
| Q1 2026 | 6.33% | 2.53% | 3.96% | 6.63% | 3.31% |
| Q2 2026 | 6.46% | 2.58% | 4.08% | 6.79% | 3.36% |
First Midwest Bank of Dexter 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 Midwest Bank of Dexter, 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 Midwest Bank of Dexter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19001) · FFIEC NIC profile (RSSD 770853)