Investors 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 7.32%. Investors Community Bank ranks 169th of 192 Missouri banks on net interest margin, in the lower half at 3.32% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Investors Community Bank sits 0.57 points lower, at 3.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 7.32% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $968K |
| Total interest expense | $460K |
| Interest expense on deposits | $460K |
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 | 4.00% | 1.25% | 2.95% | 6.71% | 2.09% |
| Q4 2023 | 4.09% | 1.72% | 2.73% | 6.99% | 2.02% |
| Q1 2024 | 4.21% | 2.20% | 2.33% | 7.24% | 1.75% |
| Q2 2024 | 4.68% | 2.50% | 2.50% | 7.32% | 2.04% |
| Q3 2024 | 5.10% | 2.47% | 2.89% | 7.68% | 2.52% |
| Q4 2024 | 5.02% | 2.24% | 2.95% | 7.73% | 2.33% |
| Q1 2025 | 4.97% | 2.09% | 2.96% | 7.46% | 2.29% |
| Q2 2025 | 5.06% | 2.36% | 3.07% | 7.58% | 2.37% |
| Q3 2025 | 5.17% | 2.44% | 2.97% | 7.56% | 2.38% |
| Q4 2025 | 5.24% | 2.21% | 3.24% | 7.84% | 2.72% |
| Q1 2026 | 5.06% | 1.94% | 3.24% | 7.12% | 2.44% |
| Q2 2026 | 5.21% | 2.03% | 3.32% | 7.32% | 2.52% |
Investors 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 Investors 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 Investors Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29093) · FFIEC NIC profile (RSSD 809379)