Metz Banking Company: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.30 percentage points to 2.35%. Metz Banking Company ranks 157th of 192 Missouri banks on net interest margin, in the lower half at 3.50% (Q2 2026). Metz Banking Company reported 3.50% on net interest margin for Q2 2026, 0.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.64% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $520K |
| Interest expense on deposits | $520K |
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 | 4.43% | 1.73% | 2.86% | 5.38% | 1.20% |
| Q4 2023 | 4.82% | 2.07% | 2.95% | 5.87% | 1.18% |
| Q1 2024 | 4.85% | 2.09% | 2.97% | 5.85% | 1.18% |
| Q2 2024 | 5.18% | 2.22% | 3.18% | 6.21% | 1.24% |
| Q3 2024 | 5.47% | 2.53% | 3.16% | 6.55% | 1.27% |
| Q4 2024 | 5.37% | 2.53% | 3.07% | 6.47% | 1.32% |
| Q1 2025 | 5.37% | 2.37% | 3.20% | 6.47% | 1.36% |
| Q2 2025 | 5.60% | 2.24% | 3.55% | 6.67% | 1.47% |
| Q3 2025 | 5.61% | 2.27% | 3.55% | 6.73% | 1.56% |
| Q4 2025 | 5.51% | 2.24% | 3.53% | 6.72% | 1.82% |
| Q1 2026 | 5.29% | 2.10% | 3.42% | 6.55% | 2.05% |
| Q2 2026 | 5.33% | 2.04% | 3.50% | 6.64% | 2.35% |
Metz Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Metz Banking Company, 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 Metz Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1945) · FFIEC NIC profile (RSSD 772754)