Merchants & Planters 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: 2.10 percentage points lower than in Q1 2026, at 3.61%. Within Arkansas, Merchants & Planters Bank is 21st of 78 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. Merchants & Planters Bank reported 4.37% on net interest margin for Q2 2026, 0.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 7.97% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.49% | 1.60% | 3.90% | 7.19% | 2.67% |
| Q4 2023 | 5.62% | 1.70% | 3.89% | 7.30% | 2.90% |
| Q1 2024 | 5.43% | 1.60% | 3.83% | 7.30% | 2.73% |
| Q2 2024 | 6.04% | 1.78% | 4.23% | 7.83% | 3.08% |
| Q3 2024 | 6.24% | 1.90% | 4.34% | 7.80% | 3.13% |
| Q4 2024 | 6.52% | 1.94% | 4.60% | 8.21% | 3.27% |
| Q1 2025 | 5.78% | 1.77% | 4.03% | 7.45% | 3.09% |
| Q2 2025 | 5.84% | 1.74% | 4.11% | 7.40% | 3.38% |
| Q3 2025 | 5.98% | 1.76% | 4.23% | 7.61% | 3.31% |
| Q4 2025 | 5.80% | 1.75% | 4.08% | 7.65% | 3.57% |
| Q1 2026 | 5.43% | 1.59% | 3.87% | 7.33% | 3.46% |
| Q2 2026 | 5.87% | 1.49% | 4.37% | 7.97% | 3.52% |
Merchants & Planters 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 Merchants & Planters 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 Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16464) · FFIEC NIC profile (RSSD 99143)