Legends 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 Q3 2026 was in Cost of borrowings: 1.03 percentage points lower than in Q2 2026, at 2.89%. On net interest margin, Legends Bank ranks 14th highest among the 192 banks headquartered in Missouri, at 5.19% (Q3 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Legends Bank sits 1.24 points higher, at 5.19% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 6.95% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | 2.89% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 5.19% |
| Yield to cost spread | 4.56% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $8.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.49% | 1.11% | 4.54% | 6.44% | 1.88% |
| Q1 2024 | 5.68% | 1.17% | 4.66% | 6.58% | 2.20% |
| Q2 2024 | 5.91% | 1.25% | 4.84% | 6.79% | 2.54% |
| Q3 2024 | 6.16% | 1.28% | 5.08% | 7.06% | 2.94% |
| Q4 2024 | 6.28% | 1.27% | 5.22% | 7.13% | 3.24% |
| Q1 2025 | 6.19% | 1.26% | 5.13% | 6.98% | 3.47% |
| Q2 2025 | 6.26% | 1.28% | 5.18% | 7.05% | 3.69% |
| Q3 2025 | 6.30% | 1.33% | 5.17% | 7.14% | 3.88% |
| Q4 2025 | 6.19% | 1.31% | 5.10% | 6.95% | 3.87% |
| Q1 2026 | 6.01% | 1.28% | 4.93% | 6.80% | 3.87% |
| Q2 2026 | 6.09% | 1.26% | 5.04% | 6.88% | 3.94% |
| Q3 2026 | 6.22% | 1.24% | 5.19% | 6.95% | 3.97% |
Legends 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 Legends 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 Legends Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12616) · FFIEC NIC profile (RSSD 865151)