Ma 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 Cost of borrowings: 0.89 percentage points lower than in Q1 2026, at 6.85%. Ma Bank ranks 164th of 192 Missouri banks on net interest margin, in the lower half at 3.38% (Q2 2026). Ma Bank reported 3.38% on net interest margin for Q2 2026, 0.57 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 6.63% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 6.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
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 | 4.20% | 1.02% | 3.25% | 6.24% | 2.13% |
| Q4 2023 | 4.09% | 1.23% | 2.95% | 5.78% | 2.27% |
| Q1 2024 | 4.56% | 1.35% | 3.30% | 6.35% | 2.54% |
| Q2 2024 | 4.88% | 1.49% | 3.49% | 6.65% | 2.78% |
| Q3 2024 | 4.99% | 1.65% | 3.45% | 6.73% | 2.84% |
| Q4 2024 | 5.03% | 1.87% | 3.28% | 6.79% | 2.92% |
| Q1 2025 | 5.05% | 1.95% | 3.18% | 6.67% | 3.06% |
| Q2 2025 | 5.20% | 2.07% | 3.25% | 6.73% | 3.30% |
| Q3 2025 | 5.26% | 2.14% | 3.26% | 6.62% | 3.41% |
| Q4 2025 | 5.49% | 2.11% | 3.51% | 6.92% | 3.43% |
| Q1 2026 | 5.33% | 2.11% | 3.32% | 6.64% | 3.53% |
| Q2 2026 | 5.44% | 2.18% | 3.38% | 6.63% | 3.60% |
Ma 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 Ma 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 Ma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14695) · FFIEC NIC profile (RSSD 34555)