Legacy 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: Cost of interest-bearing deposits edged down 0.09 percentage points between Q1 2026 and Q2 2026, to 2.45%. Within Kansas, Legacy Bank is 52nd of 182 on net interest margin, 4.28% as of Q2 2026. Legacy Bank reported 4.28% on net interest margin for Q2 2026, 0.34 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 6.83% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.4M |
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 | 5.34% | 1.83% | 3.65% | 6.21% | 2.30% |
| Q4 2023 | 5.70% | 2.13% | 3.72% | 6.56% | 2.35% |
| Q1 2024 | 5.85% | 2.37% | 3.65% | 6.73% | 2.19% |
| Q2 2024 | 6.05% | 2.49% | 3.73% | 6.86% | 2.36% |
| Q3 2024 | 6.30% | 2.65% | 3.85% | 7.15% | 2.37% |
| Q4 2024 | 6.25% | 2.46% | 3.98% | 7.05% | 2.34% |
| Q1 2025 | 6.13% | 2.36% | 3.94% | 6.92% | 2.32% |
| Q2 2025 | 6.16% | 2.33% | 3.99% | 7.01% | 2.30% |
| Q3 2025 | 6.15% | 2.33% | 3.98% | 7.06% | 2.41% |
| Q4 2025 | 6.14% | 2.26% | 4.06% | 7.04% | 2.63% |
| Q1 2026 | 6.15% | 2.03% | 4.26% | 6.88% | 2.63% |
| Q2 2026 | 6.15% | 2.01% | 4.28% | 6.83% | 2.64% |
Legacy 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 Legacy 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 Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17676) · FFIEC NIC profile (RSSD 785950)