Homepride 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.
Net interest margin rose 0.28 percentage points from Q1 2026 to Q2 2026, ending at 4.52% against 4.24%. It was the largest change among the key lines on this page. Within Missouri, Homepride Bank is 47th of 192 on net interest margin, 4.52% as of Q2 2026, above the middle of the field. Homepride Bank reported 4.52% on net interest margin for Q2 2026, 0.57 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $536K |
| Interest expense on deposits | $536K |
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 |
|---|---|---|---|
| Q3 2023 | 5.50% | 1.67% | 3.90% |
| Q4 2023 | 5.56% | 2.10% | 3.55% |
| Q1 2024 | 5.64% | 2.17% | 3.58% |
| Q2 2024 | 6.02% | 2.16% | 3.95% |
| Q3 2024 | 6.07% | 2.25% | 3.92% |
| Q4 2024 | 6.30% | 2.30% | 4.13% |
| Q1 2025 | 6.11% | 2.30% | 4.00% |
| Q2 2025 | 6.45% | 2.25% | 4.39% |
| Q3 2025 | 6.29% | 2.28% | 4.23% |
| Q4 2025 | 6.47% | 2.24% | 4.44% |
| Q1 2026 | 6.14% | 2.23% | 4.24% |
| Q2 2026 | 6.32% | 2.13% | 4.52% |
Homepride 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 Homepride 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 Homepride Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11466) · FFIEC NIC profile (RSSD 747051)