The Hamilton 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.
Compared with Q1 2026, Yield on securities rose 0.27 percentage points in Q2 2026 to 3.49%, the biggest move on this page. Within Missouri, The Hamilton Bank is 146th of 192 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Hamilton Bank sits 0.34 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 7.24% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $932K |
| Total interest expense | $452K |
| Interest expense on deposits | $452K |
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 | 4.50% | 1.40% | 3.18% | 6.56% | 2.74% |
| Q4 2023 | 4.65% | 1.58% | 3.19% | 6.74% | 2.80% |
| Q1 2024 | 4.74% | 1.60% | 3.23% | 6.83% | 2.85% |
| Q2 2024 | 4.80% | 1.54% | 3.37% | 7.01% | 2.80% |
| Q3 2024 | 5.03% | 1.73% | 3.41% | 7.28% | 2.79% |
| Q4 2024 | 5.12% | 1.56% | 3.67% | 7.37% | 2.83% |
| Q1 2025 | 5.07% | 1.53% | 3.63% | 7.24% | 2.88% |
| Q2 2025 | 5.13% | 1.58% | 3.66% | 7.43% | 2.98% |
| Q3 2025 | 5.22% | 1.59% | 3.73% | 7.50% | 2.98% |
| Q4 2025 | 5.16% | 1.51% | 3.76% | 7.41% | 3.11% |
| Q1 2026 | 5.03% | 1.47% | 3.65% | 7.22% | 3.22% |
| Q2 2026 | 5.09% | 1.59% | 3.61% | 7.24% | 3.49% |
The Hamilton 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 The Hamilton 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 The Hamilton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15606) · FFIEC NIC profile (RSSD 723550)