Four States 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.
Net interest margin fell 0.23 percentage points from Q1 2026 to Q2 2026, ending at 3.87% against 4.10%. It was the largest change among the key lines on this page. Within Missouri, Four States Bank is 120th of 192 on net interest margin, 3.87% as of Q2 2026, below the middle of the field. At 3.87%, Four States Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.73% |
| Yield on loans | 7.91% |
| Yield on securities | 4.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.40% |
| Cost of interest-bearing deposits | 4.03% |
| Cost of interest-bearing liabilities | 3.94% |
| Cost of borrowings | 18.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $918K |
| Interest expense on deposits | $917K |
Yields and Funding Costs trend
Last 8 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 2024 | — | — | — | 3.16% | — |
| Q4 2024 | 7.08% | 3.52% | 5.76% | 9.60% | — |
| Q1 2025 | 6.96% | 3.60% | 4.68% | 8.75% | — |
| Q2 2025 | 6.83% | 3.76% | 4.19% | 8.12% | 3.17% |
| Q3 2025 | 7.25% | 3.82% | 4.37% | 8.58% | — |
| Q4 2025 | 7.21% | 3.42% | 4.54% | 8.11% | — |
| Q1 2026 | 6.84% | 3.35% | 4.10% | 7.59% | — |
| Q2 2026 | 6.73% | 3.40% | 3.87% | 7.91% | 4.57% |
Four States 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 Four States 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 Four States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59352) · FFIEC NIC profile (RSSD 5903517)