Lead 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 standout move of Q2 2026 was in Total interest expense: 29.7% higher than in Q1 2026, at $5.9M. On net interest margin, Lead Bank ranks 2nd highest among the 191 banks headquartered in Missouri, at 7.29% (Q2 2026). Against a median of 3.71% for banks in the $1B-10B asset tier, Lead Bank reported 7.29% on net interest margin in Q2 2026, 3.58 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.29% |
| Yield on loans | 12.01% |
| Yield on securities | 4.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.90% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.29% |
| Yield to cost spread | 6.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.3M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.9M |
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 | 11.76% | 0.33% | 11.47% | 13.80% | 4.69% |
| Q4 2023 | 12.52% | 0.41% | 12.16% | 14.82% | 4.47% |
| Q1 2024 | 12.03% | 0.67% | 11.43% | 14.47% | 4.34% |
| Q2 2024 | 10.60% | 1.19% | 9.67% | 13.72% | 4.36% |
| Q3 2024 | 11.48% | 1.15% | 10.52% | 13.81% | 4.72% |
| Q4 2024 | 10.32% | 1.13% | 9.42% | 13.99% | 4.53% |
| Q1 2025 | 9.64% | 0.78% | 8.94% | 13.36% | 4.63% |
| Q2 2025 | 9.67% | 0.84% | 8.85% | 13.27% | 4.83% |
| Q3 2025 | 9.97% | 0.90% | 9.11% | 14.03% | 4.68% |
| Q4 2025 | 9.85% | 0.79% | 9.04% | 14.38% | 4.75% |
| Q1 2026 | 9.23% | 0.75% | 8.41% | 13.63% | 4.81% |
| Q2 2026 | 8.29% | 0.90% | 7.29% | 12.01% | 4.75% |
Lead 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 Lead 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 Lead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8283) · FFIEC NIC profile (RSSD 893855)