Guaranty 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.15 percentage points to 3.09%. On net interest margin, Guaranty Bank is 15th from the bottom among 192 Missouri banks, 3.09% (Q2 2026). Guaranty Bank reported 3.09% on net interest margin for Q2 2026, 0.62 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 5.72% |
| Yield on securities | 5.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.76% |
| Cost of interest-bearing deposits | 3.07% |
| Cost of interest-bearing liabilities | 3.29% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.2M |
| Total interest expense | $14.0M |
| Interest expense on deposits | $11.8M |
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 | 5.82% | 2.64% | 2.78% | 6.00% | 4.27% |
| Q4 2023 | 6.01% | 2.72% | 2.77% | 6.21% | 4.39% |
| Q1 2024 | 5.95% | 3.04% | 2.63% | 6.14% | 4.59% |
| Q2 2024 | 6.05% | 3.69% | 2.62% | 6.23% | 4.51% |
| Q3 2024 | 6.19% | 3.73% | 2.75% | 6.39% | 4.67% |
| Q4 2024 | 5.97% | 3.45% | 2.80% | 6.15% | 4.70% |
| Q1 2025 | 5.80% | 3.25% | 2.82% | 6.00% | 4.51% |
| Q2 2025 | 5.90% | 3.29% | 2.89% | 6.07% | 4.68% |
| Q3 2025 | 6.02% | 3.31% | 3.02% | 6.20% | 4.88% |
| Q4 2025 | 5.99% | 3.01% | 3.18% | 6.14% | 5.03% |
| Q1 2026 | 5.78% | 2.72% | 3.24% | 5.88% | 5.20% |
| Q2 2026 | 5.65% | 2.76% | 3.09% | 5.72% | 5.26% |
Guaranty 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 Guaranty 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 Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58892) · FFIEC NIC profile (RSSD 3804535)