Heritage Community 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, Net interest margin rose 0.16 percentage points in Q2 2026 to 4.19%, the biggest move on this page. Within Missouri, Heritage Community Bank is 78th of 192 on net interest margin, 4.19% 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. Heritage Community Bank sits 0.24 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.08% |
| Yield on loans | 7.24% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.04% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.35% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.1M |
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 | 6.02% | 2.84% | 3.33% | 6.21% | 0.42% |
| Q4 2023 | 6.53% | 3.26% | 3.45% | 6.70% | 1.65% |
| Q1 2024 | 6.71% | 3.45% | 3.45% | 6.86% | 2.12% |
| Q2 2024 | 6.86% | 3.62% | 3.44% | 7.02% | 2.32% |
| Q3 2024 | 7.13% | 3.76% | 3.60% | 7.28% | 2.70% |
| Q4 2024 | 7.21% | 3.58% | 3.84% | 7.37% | 3.45% |
| Q1 2025 | 7.06% | 3.35% | 3.89% | 7.24% | 4.07% |
| Q2 2025 | 7.20% | 3.30% | 4.10% | 7.36% | 4.24% |
| Q3 2025 | 7.23% | 3.30% | 4.11% | 7.40% | 4.60% |
| Q4 2025 | 7.05% | 3.14% | 4.07% | 7.20% | 4.31% |
| Q1 2026 | 6.90% | 3.04% | 4.03% | 7.07% | 4.20% |
| Q2 2026 | 7.08% | 3.04% | 4.19% | 7.24% | 4.10% |
Heritage Community 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 Heritage Community 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 Heritage Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15282) · FFIEC NIC profile (RSSD 499743)