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.
Compared with Q1 2026, Net interest margin rose 0.24 percentage points in Q2 2026 to 3.64%, the biggest move on this page. Within Kansas, Mid-America Bank is 132nd of 182 on net interest margin, 3.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mid-America Bank sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.52% |
| Yield on loans | 6.97% |
| Yield on securities | 4.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.10% |
| Cost of interest-bearing deposits | 3.36% |
| Cost of interest-bearing liabilities | 3.36% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.4M |
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 | 6.16% | 2.94% | 3.41% | 6.33% | 1.12% |
| Q4 2023 | 6.36% | 3.10% | 3.50% | 6.54% | 3.98% |
| Q1 2024 | 6.41% | 3.21% | 3.45% | 6.62% | 4.33% |
| Q2 2024 | 6.62% | 3.31% | 3.57% | 6.88% | 4.41% |
| Q3 2024 | 6.80% | 3.39% | 3.68% | 7.08% | 4.37% |
| Q4 2024 | 6.71% | 3.36% | 3.62% | 7.14% | 4.19% |
| Q1 2025 | 6.61% | 3.18% | 3.66% | 7.00% | 4.24% |
| Q2 2025 | 6.72% | 3.19% | 3.75% | 7.17% | 4.16% |
| Q3 2025 | 6.73% | 3.22% | 3.75% | 7.11% | 5.14% |
| Q4 2025 | 6.81% | 3.16% | 3.90% | 7.18% | 4.17% |
| Q1 2026 | 6.30% | 3.11% | 3.40% | 6.82% | 3.95% |
| Q2 2026 | 6.52% | 3.10% | 3.64% | 6.97% | 4.08% |
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 17374) · FFIEC NIC profile (RSSD 919456)