HNB National 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.
Total interest expense climbed 22.8% in Q2 2026, from $3.7M to $4.6M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, HNB National Bank is 83rd of 192 on net interest margin, 4.13% as of Q2 2026, above the middle of the field. HNB National Bank reported 4.13% on net interest margin for Q2 2026, 0.42 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.56% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.2M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.6M |
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 | 4.88% | 1.07% | 3.83% | 6.05% | 1.87% |
| Q4 2023 | 5.65% | 1.50% | 4.16% | 6.75% | 2.36% |
| Q1 2024 | 5.53% | 1.78% | 3.76% | 6.70% | 2.25% |
| Q2 2024 | 5.71% | 1.95% | 3.83% | 6.79% | 2.28% |
| Q3 2024 | 5.86% | 2.09% | 3.87% | 7.03% | 2.25% |
| Q4 2024 | 5.85% | 2.07% | 3.91% | 6.94% | 2.25% |
| Q1 2025 | 5.67% | 1.95% | 3.84% | 6.83% | 2.33% |
| Q2 2025 | 5.82% | 1.91% | 4.04% | 6.95% | 2.55% |
| Q3 2025 | 5.84% | 1.90% | 4.06% | 7.02% | 2.56% |
| Q4 2025 | 5.87% | 1.84% | 4.18% | 6.95% | 2.65% |
| Q1 2026 | 5.78% | 1.74% | 4.18% | 6.87% | 2.69% |
| Q2 2026 | 5.60% | 1.57% | 4.13% | 6.56% | 3.25% |
HNB National 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 HNB National 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 HNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4540) · FFIEC NIC profile (RSSD 908553)