Home Savings and Loan Association of Carroll County, F.A.: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.09 percentage points between Q1 2026 and Q2 2026, to 3.36%. Home Savings and Loan Association of Carroll County, F.A. ranks 165th of 192 Missouri banks on net interest margin, in the lower half at 3.36% (Q2 2026). Home Savings and Loan Association of Carroll County, F.A. reported 3.36% on net interest margin for Q2 2026, 0.59 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 6.58% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.43% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $689K |
| Interest expense on deposits | $689K |
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 | 3.75% | 2.71% | 1.69% | 5.03% | 0.75% |
| Q4 2023 | 4.14% | 2.82% | 1.95% | 5.31% | 1.22% |
| Q1 2024 | 4.44% | 2.87% | 2.21% | 5.48% | 1.57% |
| Q2 2024 | 4.63% | 3.16% | 2.19% | 5.75% | 1.44% |
| Q3 2024 | 5.03% | 3.22% | 2.48% | 6.02% | 2.03% |
| Q4 2024 | 5.16% | 3.30% | 2.49% | 6.15% | 1.88% |
| Q1 2025 | 4.93% | 3.25% | 2.47% | 6.19% | 2.11% |
| Q2 2025 | 5.12% | 2.62% | 2.82% | 6.43% | 1.95% |
| Q3 2025 | 5.60% | 2.60% | 3.26% | 6.53% | 2.97% |
| Q4 2025 | 5.68% | 2.83% | 3.15% | 6.83% | 2.68% |
| Q1 2026 | 5.62% | 2.42% | 3.45% | 6.52% | 2.81% |
| Q2 2026 | 5.52% | 2.43% | 3.36% | 6.58% | 2.85% |
Home Savings and Loan Association of Carroll County, F.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings and Loan Association of Carroll County, F.A., 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 Home Savings and Loan Association of Carroll County, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27898) · FFIEC NIC profile (RSSD 612878)