Mission 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.
In Q2 2026, Net interest margin edged up by 0.06 percentage points, from 3.17% to 3.23%, the largest move among the key lines here. On net interest margin, Mission Bank is 3rd from the bottom among 12 Arizona banks, 3.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mission Bank sits 0.72 points lower, at 3.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.99% |
| Yield on loans | 6.64% |
| Yield on securities | 1.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.50% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $341K |
| Interest expense on deposits | $341K |
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 | 3.89% | 0.31% | 3.57% | 5.88% | 1.89% |
| Q4 2023 | 3.98% | 0.47% | 3.52% | 5.98% | 1.91% |
| Q1 2024 | 3.96% | 0.84% | 3.11% | 6.09% | 1.93% |
| Q2 2024 | 4.03% | 0.92% | 3.12% | 6.13% | 1.93% |
| Q3 2024 | 4.07% | 0.85% | 3.22% | 6.45% | 1.91% |
| Q4 2024 | 4.10% | 0.91% | 3.21% | 6.32% | 1.90% |
| Q1 2025 | 3.85% | 0.97% | 2.94% | 6.34% | 1.89% |
| Q2 2025 | 4.03% | 0.93% | 3.13% | 6.45% | 1.90% |
| Q3 2025 | 4.11% | 0.92% | 3.23% | 6.63% | 1.89% |
| Q4 2025 | 4.08% | 0.90% | 3.21% | 6.56% | 1.87% |
| Q1 2026 | 3.97% | 0.83% | 3.17% | 6.53% | 1.87% |
| Q2 2026 | 3.99% | 0.79% | 3.23% | 6.64% | 1.87% |
Mission 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 Mission 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 Mission Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57137) · FFIEC NIC profile (RSSD 2963275)