The 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.18% against 3.04%. It was the largest change among the key lines on this page. On net interest margin, The Merchants & Planters Bank is 6th from the bottom among 78 Arkansas banks, 3.18% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Merchants & Planters Bank sits 0.71 points lower, at 3.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | 6.92% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $334K |
| Total interest expense | $164K |
| Interest expense on deposits | $164K |
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 | 3.91% | 0.81% | 3.10% | 5.90% | 2.71% |
| Q4 2023 | 3.96% | 0.90% | 3.06% | 5.79% | 2.83% |
| Q1 2024 | 3.93% | 1.11% | 2.91% | 5.76% | 2.91% |
| Q2 2024 | 4.03% | 1.18% | 2.96% | 6.08% | 2.88% |
| Q3 2024 | 4.25% | 1.29% | 3.07% | 6.45% | 2.79% |
| Q4 2024 | 4.40% | 1.27% | 3.22% | 6.71% | 2.82% |
| Q1 2025 | 4.25% | 1.24% | 3.10% | 6.56% | 2.85% |
| Q2 2025 | 4.27% | 1.26% | 3.13% | 6.75% | 2.81% |
| Q3 2025 | 4.50% | 1.75% | 3.33% | 7.06% | 2.80% |
| Q4 2025 | 4.30% | 1.21% | 3.17% | 6.83% | 2.77% |
| Q1 2026 | 4.21% | 1.59% | 3.04% | 6.67% | 2.87% |
| Q2 2026 | 4.44% | 1.38% | 3.18% | 6.92% | 2.97% |
The 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 The 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 The Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 107) · FFIEC NIC profile (RSSD 691042)