Mid-Missouri 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 Net interest margin, which rose 0.18 percentage points to 4.61%. Mid-Missouri Bank ranks 42nd of 192 Missouri banks on net interest margin, in the upper half at 4.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mid-Missouri Bank sits 0.66 points higher, at 4.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.39% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.24% |
| Cost of interest-bearing liabilities | 1.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.7M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 5.00% | 1.41% | 3.81% | 5.88% | 1.87% |
| Q4 2023 | 5.28% | 1.56% | 3.97% | 6.09% | 1.99% |
| Q1 2024 | 5.39% | 1.63% | 4.01% | 6.15% | 2.15% |
| Q2 2024 | 5.63% | 1.70% | 4.19% | 6.31% | 2.27% |
| Q3 2024 | 5.78% | 1.88% | 4.19% | 6.56% | 2.48% |
| Q4 2024 | 5.76% | 1.74% | 4.30% | 6.43% | 2.72% |
| Q1 2025 | 5.58% | 1.59% | 4.24% | 6.33% | 2.96% |
| Q2 2025 | 5.80% | 1.59% | 4.48% | 6.43% | 3.15% |
| Q3 2025 | 5.75% | 1.61% | 4.42% | 6.51% | 3.22% |
| Q4 2025 | 5.80% | 1.52% | 4.55% | 6.47% | 3.39% |
| Q1 2026 | 5.59% | 1.39% | 4.43% | 6.30% | 3.47% |
| Q2 2026 | 5.74% | 1.36% | 4.61% | 6.39% | 3.52% |
Mid-Missouri 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-Missouri 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-Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15584) · FFIEC NIC profile (RSSD 950141)