FMB 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 standout move of Q2 2026 was in Yield to cost spread: 0.75 percentage points higher than in Q1 2026, at 2.17%. FMB Bank ranks 164th of 191 Missouri banks on net interest margin, in the lower half at 3.36% (Q2 2026). FMB Bank reported 3.36% on net interest margin for Q2 2026, 0.52 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.53% |
| Yield on loans | 7.02% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $236K |
| Total interest expense | $136K |
| Interest expense on deposits | $136K |
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 | 4.24% | 1.58% | 2.62% | 6.61% | 2.81% |
| Q4 2023 | 4.32% | 1.38% | 2.80% | 6.85% | 2.81% |
| Q1 2024 | 4.55% | 1.70% | 2.65% | 7.17% | 2.98% |
| Q2 2024 | 4.39% | 1.70% | 2.61% | 6.81% | 2.79% |
| Q3 2024 | 4.76% | 1.44% | 3.23% | 6.99% | 3.44% |
| Q4 2024 | 4.21% | 1.56% | 2.62% | 6.89% | 2.47% |
| Q1 2025 | 4.40% | 1.39% | 2.95% | 6.69% | 2.94% |
| Q2 2025 | 4.55% | 1.34% | 3.18% | 6.89% | 3.12% |
| Q3 2025 | 5.27% | 1.20% | 4.01% | 8.48% | 3.27% |
| Q4 2025 | 4.56% | 1.14% | 3.47% | 6.86% | 3.24% |
| Q1 2026 | 4.41% | 0.93% | 3.20% | 6.70% | 3.31% |
| Q2 2026 | 4.53% | 0.89% | 3.36% | 7.02% | 3.29% |
FMB 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 FMB 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 FMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12225) · FFIEC NIC profile (RSSD 509857)