F&M Bank and Trust Company: 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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 3.39% to 3.46%, the largest move among the key lines here. F&M Bank and Trust Company ranks 161st of 192 Missouri banks on net interest margin, in the lower half at 3.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. F&M Bank and Trust Company sits 0.49 points lower, at 3.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $663K |
| Interest expense on deposits | $663K |
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 | 4.06% | 1.38% | 2.76% |
| Q4 2023 | 4.25% | 1.63% | 2.73% |
| Q1 2024 | 4.30% | 1.81% | 2.59% |
| Q2 2024 | 4.39% | 1.91% | 2.60% |
| Q3 2024 | 4.57% | 1.94% | 2.76% |
| Q4 2024 | 4.62% | 1.80% | 2.94% |
| Q1 2025 | 4.61% | 1.57% | 3.02% |
| Q2 2025 | 4.63% | 1.73% | 3.03% |
| Q3 2025 | 4.84% | 1.74% | 3.22% |
| Q4 2025 | 4.87% | 1.65% | 3.34% |
| Q1 2026 | 4.85% | 1.57% | 3.39% |
| Q2 2026 | 4.93% | 1.58% | 3.46% |
F&M Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M Bank and Trust Company, 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 F&M Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30595) · FFIEC NIC profile (RSSD 413673)