Focus 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 Total interest expense: 7.5% lower than in Q1 2026, at $3.8M. Within Missouri, Focus Bank is 43rd of 191 on net interest margin, 4.59% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Focus Bank sits 0.65 points higher, at 4.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.47% |
| Yield on loans | 6.87% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.3M |
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 | 5.58% | 1.68% | 4.03% | 5.99% | 2.00% |
| Q4 2023 | 5.78% | 1.92% | 4.01% | 6.17% | 2.14% |
| Q1 2024 | 5.91% | 2.03% | 4.04% | 6.32% | 2.17% |
| Q2 2024 | 6.16% | 2.19% | 4.14% | 6.58% | 2.24% |
| Q3 2024 | 6.41% | 2.43% | 4.17% | 6.84% | 2.38% |
| Q4 2024 | 6.44% | 2.46% | 4.18% | 6.88% | 2.20% |
| Q1 2025 | 6.30% | 2.20% | 4.30% | 6.70% | 2.71% |
| Q2 2025 | 6.40% | 2.23% | 4.40% | 6.85% | 2.40% |
| Q3 2025 | 6.57% | 2.35% | 4.45% | 7.00% | 2.86% |
| Q4 2025 | 6.56% | 2.34% | 4.44% | 6.99% | 2.74% |
| Q1 2026 | 6.29% | 2.20% | 4.31% | 6.75% | 3.03% |
| Q2 2026 | 6.47% | 2.10% | 4.59% | 6.87% | 2.95% |
Focus 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 Focus 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 Focus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1426) · FFIEC NIC profile (RSSD 498148)