Kennett Trust 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.
Cost of funds fell 0.72 percentage points from Q1 2026 to Q2 2026, ending at 1.99% against 2.71%. It was the largest change among the key lines on this page. Kennett Trust Bank has the 11th lowest net interest margin of the 191 banks headquartered in Missouri, at 3.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Kennett Trust Bank sits 0.90 points lower, at 3.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 5.47% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 2.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.04% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $539K |
| Interest expense on deposits | $475K |
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 | 5.29% | 2.92% | 3.11% | 5.63% | 5.07% |
| Q4 2023 | 5.28% | 2.19% | 3.42% | 5.60% | 4.73% |
| Q1 2024 | 5.21% | 2.10% | 3.31% | 5.62% | 4.54% |
| Q2 2024 | 5.22% | 2.15% | 3.12% | 5.62% | 4.54% |
| Q3 2024 | 5.49% | 2.32% | 3.14% | 5.90% | 4.66% |
| Q4 2024 | 5.46% | 2.28% | 3.30% | 6.03% | 3.90% |
| Q1 2025 | 5.32% | 2.03% | 3.27% | 5.93% | 4.13% |
| Q2 2025 | 5.93% | 1.97% | 3.79% | 6.88% | 4.03% |
| Q3 2025 | 5.48% | 2.27% | 3.26% | 6.13% | 4.12% |
| Q4 2025 | 5.48% | 2.03% | 3.47% | 6.17% | 3.90% |
| Q1 2026 | 5.22% | 2.71% | 3.27% | 5.93% | 3.82% |
| Q2 2026 | 4.97% | 1.99% | 3.04% | 5.47% | 3.85% |
Kennett Trust 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 Kennett Trust 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 Kennett Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18879) · FFIEC NIC profile (RSSD 795959)