Grand Missouri 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.
Cost of borrowings fell 0.40 percentage points from Q1 2026 to Q2 2026, ending at 4.00% against 4.40%. It was the largest change among the key lines on this page. Within Missouri, Grand Missouri Bank is 31st of 192 on net interest margin, 4.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Grand Missouri Bank sits 0.80 points higher, at 4.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.15% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.27% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.75% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $836K |
| Interest expense on deposits | $816K |
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 | 6.29% | 1.33% | 5.23% |
| Q4 2023 | 6.50% | 2.20% | 4.89% |
| Q1 2024 | 6.37% | 3.48% | 3.62% |
| Q2 2024 | 6.67% | 3.21% | 3.96% |
| Q3 2024 | 6.80% | 3.19% | 3.96% |
| Q4 2024 | 6.83% | 3.29% | 4.00% |
| Q1 2025 | 6.60% | 3.19% | 3.83% |
| Q2 2025 | 4.65% | -1.13% | 2.91% |
| Q3 2025 | 7.40% | 2.67% | 4.78% |
| Q4 2025 | 7.70% | 3.10% | 5.06% |
| Q1 2026 | 7.04% | 2.69% | 4.65% |
| Q2 2026 | 7.15% | 2.90% | 4.75% |
Grand Missouri 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 Grand Missouri 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 Grand Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11003) · FFIEC NIC profile (RSSD 365950)