Jonesburg State 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.42 percentage points to 4.69%. Jonesburg State Bank ranks 23rd of 192 Missouri banks on net interest margin, in the upper half at 4.95% (Q2 2026). Jonesburg State Bank reported 4.95% on net interest margin for Q2 2026, 1.00 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.58% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.36% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | 4.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $346K |
| Interest expense on deposits | $299K |
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 | 4.96% | 0.76% | 4.24% | 5.64% | 2.92% |
| Q4 2023 | 5.18% | 0.87% | 4.37% | 5.89% | 2.90% |
| Q1 2024 | 5.29% | 1.01% | 4.35% | 6.00% | 2.90% |
| Q2 2024 | 5.26% | 1.13% | 4.25% | 6.07% | 2.91% |
| Q3 2024 | 5.78% | 1.23% | 4.64% | 6.32% | 3.31% |
| Q4 2024 | 5.70% | 1.27% | 4.60% | 6.35% | 3.32% |
| Q1 2025 | 5.66% | 1.19% | 4.57% | 6.30% | 3.33% |
| Q2 2025 | 5.45% | 1.11% | 4.46% | 6.10% | 3.02% |
| Q3 2025 | 6.00% | 1.31% | 4.84% | 6.60% | 3.58% |
| Q4 2025 | 5.99% | 1.29% | 4.85% | 6.66% | 3.56% |
| Q1 2026 | 5.87% | 1.12% | 4.85% | 6.50% | 3.43% |
| Q2 2026 | 5.96% | 1.10% | 4.95% | 6.58% | 3.40% |
Jonesburg State 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 Jonesburg State 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 Jonesburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8896) · FFIEC NIC profile (RSSD 733755)