First State Bank of the Ozarks: 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.
Total interest expense rose 4.7% from Q1 2026 to Q2 2026, ending at $1.1M against $1.0M. It was the largest change among the key lines on this page. Within Missouri, First State Bank of the Ozarks is 68th of 192 on net interest margin, 4.26% as of Q2 2026, above the middle of the field. First State Bank of the Ozarks reported 4.26% on net interest margin for Q2 2026, 0.31 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 7.07% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 2.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.0M |
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 | 5.37% | 1.29% | 4.12% | 6.13% | 2.00% |
| Q4 2023 | 5.47% | 1.54% | 3.98% | 6.23% | 2.26% |
| Q1 2024 | 5.64% | 1.82% | 3.90% | 6.40% | 2.67% |
| Q2 2024 | 5.69% | 1.98% | 3.76% | 6.43% | 2.90% |
| Q3 2024 | 7.15% | 2.08% | 5.11% | 8.55% | 3.30% |
| Q4 2024 | 5.99% | 2.15% | 3.90% | 6.89% | 3.32% |
| Q1 2025 | 5.71% | 2.03% | 3.74% | 6.62% | 3.30% |
| Q2 2025 | 6.00% | 1.97% | 4.02% | 6.91% | 3.36% |
| Q3 2025 | 5.94% | 2.01% | 4.00% | 6.91% | 3.44% |
| Q4 2025 | 6.05% | 1.98% | 4.17% | 7.19% | 3.32% |
| Q1 2026 | 5.93% | 1.87% | 4.15% | 6.93% | 3.29% |
| Q2 2026 | 6.06% | 1.93% | 4.26% | 7.07% | 3.30% |
First State Bank of the Ozarks 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 the Ozarks, 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 the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16162) · FFIEC NIC profile (RSSD 400057)