Midwest Regional 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 standout move of Q2 2026 was in Total interest expense: 11.5% lower than in Q1 2026, at $6.7M. Within Missouri, Midwest Regional Bank is 151st of 192 on net interest margin, 3.56% as of Q2 2026, below the middle of the field. Midwest Regional Bank reported 3.56% on net interest margin for Q2 2026, 0.39 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.55% |
| Yield on loans | 7.03% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.19% |
| Cost of interest-bearing deposits | 3.47% |
| Cost of interest-bearing liabilities | 3.46% |
| Cost of borrowings | 4.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.9M |
| Total interest expense | $6.7M |
| Interest expense on deposits | $6.7M |
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 | 6.64% | 3.54% | 3.28% | 7.18% | 2.14% |
| Q4 2023 | 6.99% | 3.99% | 3.16% | 7.45% | 2.21% |
| Q1 2024 | 6.88% | 4.28% | 2.75% | 7.42% | 1.80% |
| Q2 2024 | 7.25% | 4.36% | 3.10% | 7.78% | 1.72% |
| Q3 2024 | 7.46% | 4.49% | 3.22% | 7.98% | 1.73% |
| Q4 2024 | 7.12% | 4.32% | 3.04% | 7.68% | 1.69% |
| Q1 2025 | 6.60% | 3.83% | 2.95% | 7.12% | 1.70% |
| Q2 2025 | 6.89% | 3.73% | 3.39% | 7.42% | 1.84% |
| Q3 2025 | 7.10% | 3.67% | 3.63% | 7.66% | 1.89% |
| Q4 2025 | 6.87% | 3.60% | 3.53% | 7.43% | 2.17% |
| Q1 2026 | 6.47% | 3.38% | 3.34% | 6.99% | 2.16% |
| Q2 2026 | 6.55% | 3.19% | 3.56% | 7.03% | 2.14% |
Midwest Regional 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 Midwest Regional 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 Midwest Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8889) · FFIEC NIC profile (RSSD 691958)