Midwest Independent Bankersbank: 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.
In Q2 2026, Total interest expense edged up by 1.9%, from $1.3M to $1.3M, the largest move among the key lines here. Midwest Independent Bankersbank ranks 107th of 192 Missouri banks on net interest margin, in the lower half at 3.97% (Q2 2026). At 3.97%, Midwest Independent Bankersbank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 6.11% |
| Yield on securities | 4.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 3.43% |
| Cost of interest-bearing liabilities | 3.22% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 2.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.36% | 2.35% | 3.28% | 5.41% | 3.59% |
| Q4 2023 | 5.46% | 2.48% | 3.33% | 5.53% | 3.80% |
| Q1 2024 | 5.52% | 2.69% | 3.18% | 5.68% | 3.93% |
| Q2 2024 | 5.64% | 2.63% | 3.31% | 5.83% | 4.02% |
| Q3 2024 | 5.70% | 2.66% | 3.37% | 5.93% | 4.06% |
| Q4 2024 | 5.65% | 2.45% | 3.54% | 6.04% | 3.96% |
| Q1 2025 | 5.52% | 2.24% | 3.55% | 5.87% | 4.02% |
| Q2 2025 | 5.74% | 2.31% | 3.67% | 6.11% | 4.22% |
| Q3 2025 | 5.94% | 2.33% | 3.86% | 6.32% | 4.68% |
| Q4 2025 | 5.75% | 2.08% | 3.94% | 6.20% | 4.28% |
| Q1 2026 | 5.68% | 1.87% | 4.05% | 6.11% | 4.43% |
| Q2 2026 | 5.64% | 1.93% | 3.97% | 6.11% | 4.37% |
Midwest Independent Bankersbank 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 Independent Bankersbank, 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 Independent Bankersbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25849) · FFIEC NIC profile (RSSD 977250)