First State Community 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 3.89%. First State Community Bank ranks 117th of 191 Missouri banks on net interest margin, in the lower half at 3.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First State Community Bank sits 0.18 points higher, at 3.89% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.04% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 4.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $50.0M |
| Total interest expense | $16.9M |
| Interest expense on deposits | $15.3M |
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 | 4.70% | 1.29% | 3.29% | 5.25% | 2.32% |
| Q4 2023 | 4.92% | 1.43% | 3.37% | 5.49% | 2.38% |
| Q1 2024 | 5.05% | 1.61% | 3.31% | 5.62% | 2.41% |
| Q2 2024 | 5.19% | 1.65% | 3.42% | 5.76% | 2.54% |
| Q3 2024 | 5.39% | 1.72% | 3.57% | 5.99% | 2.51% |
| Q4 2024 | 5.43% | 1.71% | 3.65% | 6.05% | 2.47% |
| Q1 2025 | 5.30% | 1.70% | 3.57% | 5.89% | 2.50% |
| Q2 2025 | 5.48% | 1.66% | 3.80% | 6.07% | 2.60% |
| Q3 2025 | 5.63% | 1.70% | 3.90% | 6.21% | 2.67% |
| Q4 2025 | 5.65% | 1.68% | 3.95% | 6.24% | 2.64% |
| Q1 2026 | 5.37% | 1.63% | 3.72% | 5.93% | 2.69% |
| Q2 2026 | 5.49% | 1.60% | 3.89% | 6.04% | 2.74% |
First State Community 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 State Community 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 State Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17323) · FFIEC NIC profile (RSSD 707354)