Midwest Bankcentre: 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 0.18 percentage points in Q2 2026 to 3.94%, the biggest move on this page. Within Missouri, Midwest Bankcentre is 111th of 191 on net interest margin, 3.94% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Midwest Bankcentre sits 0.23 points higher, at 3.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.14% |
| Yield on securities | 4.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 1.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.0M |
| Total interest expense | $13.7M |
| Interest expense on deposits | $13.3M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.33% | 2.05% | 3.43% | 5.68% | 3.08% |
| Q4 2023 | 5.45% | 2.25% | 3.35% | 5.80% | 3.07% |
| Q1 2024 | 5.54% | 2.34% | 3.36% | 5.88% | 3.15% |
| Q2 2024 | 5.66% | 2.53% | 3.30% | 6.03% | 3.24% |
| Q3 2024 | 5.76% | 2.63% | 3.32% | 6.12% | 3.35% |
| Q4 2024 | 5.67% | 2.42% | 3.45% | 6.00% | 3.49% |
| Q1 2025 | 5.57% | 2.35% | 3.41% | 5.89% | 3.54% |
| Q2 2025 | 5.64% | 2.36% | 3.47% | 5.95% | 3.64% |
| Q3 2025 | 5.88% | 2.41% | 3.66% | 6.20% | 3.78% |
| Q4 2025 | 5.79% | 2.29% | 3.70% | 6.10% | 3.98% |
| Q1 2026 | 5.71% | 2.15% | 3.76% | 5.96% | 4.53% |
| Q2 2026 | 5.87% | 2.12% | 3.94% | 6.14% | 4.47% |
Midwest Bankcentre yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Bankcentre, 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 Midwest Bankcentre profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1058) · FFIEC NIC profile (RSSD 657459)