The 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.
In Q2 2026, Total interest expense edged down by 1.6%, from $1.9M to $1.9M, the largest move among the key lines here. Within Missouri, The Missouri Bank is 105th of 192 on net interest margin, 3.98% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Missouri Bank reported 3.98% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 6.45% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.57% | 1.41% | 3.26% | 5.48% | 2.44% |
| Q4 2023 | 4.89% | 1.62% | 3.39% | 5.82% | 2.63% |
| Q1 2024 | 5.12% | 1.84% | 3.38% | 5.95% | 2.81% |
| Q2 2024 | 5.18% | 1.89% | 3.43% | 6.11% | 2.92% |
| Q3 2024 | 5.39% | 1.94% | 3.58% | 6.30% | 3.13% |
| Q4 2024 | 5.41% | 2.00% | 3.56% | 6.34% | 3.21% |
| Q1 2025 | 5.38% | 1.92% | 3.58% | 6.33% | 3.33% |
| Q2 2025 | 5.56% | 1.92% | 3.78% | 6.47% | 3.48% |
| Q3 2025 | 5.74% | 1.95% | 3.93% | 6.63% | 3.58% |
| Q4 2025 | 5.71% | 1.86% | 3.99% | 6.59% | 3.65% |
| Q1 2026 | 5.57% | 1.79% | 3.91% | 6.41% | 3.76% |
| Q2 2026 | 5.61% | 1.78% | 3.98% | 6.45% | 3.83% |
The 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 The 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 The Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14036) · FFIEC NIC profile (RSSD 309150)