Mid America 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.3% to $4.3M. Mid America Bank ranks 45th of 192 Missouri banks on net interest margin, in the upper half at 4.56% (Q2 2026). Mid America Bank reported 4.56% on net interest margin for Q2 2026, 0.85 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 2.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.1M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.3M |
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 |
|---|---|---|---|
| Q3 2023 | 5.73% | 1.56% | 4.29% |
| Q4 2023 | 5.91% | 1.72% | 4.27% |
| Q1 2024 | 6.08% | 1.90% | 4.37% |
| Q2 2024 | 6.26% | 1.86% | 4.58% |
| Q3 2024 | 6.49% | 1.91% | 4.76% |
| Q4 2024 | 6.42% | 1.98% | 4.57% |
| Q1 2025 | 6.26% | 1.85% | 4.57% |
| Q2 2025 | 6.68% | 1.86% | 5.06% |
| Q3 2025 | 6.62% | 1.83% | 4.95% |
| Q4 2025 | 6.45% | 1.67% | 4.90% |
| Q1 2026 | 6.10% | 1.66% | 4.58% |
| Q2 2026 | 6.08% | 1.66% | 4.56% |
Mid America 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 Mid America 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 Mid America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11459) · FFIEC NIC profile (RSSD 873259)