First State Bank of St. Charles, 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 fell 4.0% in Q2 2026 to $2.3M, the biggest move on this page. Within Missouri, First State Bank of St. Charles, Missouri is 105th of 192 on net interest margin, 3.98% as of Q2 2026, below the middle of the field. At 3.98%, First State Bank of St. Charles, 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 | 5.72% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.8M |
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 |
|---|---|---|---|
| Q3 2023 | 5.29% | 1.93% | 3.60% |
| Q4 2023 | 5.31% | 2.02% | 3.58% |
| Q1 2024 | 5.34% | 2.26% | 3.38% |
| Q2 2024 | 5.57% | 2.29% | 3.59% |
| Q3 2024 | 5.67% | 2.34% | 3.61% |
| Q4 2024 | 5.68% | 2.29% | 3.67% |
| Q1 2025 | 5.53% | 2.19% | 3.56% |
| Q2 2025 | 5.66% | 2.18% | 3.74% |
| Q3 2025 | 5.73% | 2.20% | 3.83% |
| Q4 2025 | 5.74% | 2.17% | 3.86% |
| Q1 2026 | 5.60% | 2.00% | 3.82% |
| Q2 2026 | 5.72% | 1.98% | 3.98% |
First State Bank of St. Charles, 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 First State Bank of St. Charles, 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 First State Bank of St. Charles, Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12219) · FFIEC NIC profile (RSSD 345756)