Montgomery 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 Cost of borrowings: 51.71 percentage points lower than in Q1 2026, at 56.16%. Montgomery Bank ranks 28th of 191 Missouri banks on net interest margin, in the upper half at 4.77% (Q2 2026). Montgomery Bank reported 4.77% on net interest margin for Q2 2026, 1.06 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.31% |
| Yield on securities | 5.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | 56.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.77% |
| Yield to cost spread | 4.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.5M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.6M |
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 | 4.41% | 1.48% | 2.68% | 5.76% | 1.07% |
| Q4 2023 | 4.73% | 1.64% | 2.84% | 6.00% | 1.14% |
| Q1 2024 | 5.33% | 1.57% | 3.47% | 6.02% | 1.45% |
| Q2 2024 | 5.80% | 1.45% | 4.11% | 6.24% | 1.91% |
| Q3 2024 | 5.90% | 1.53% | 4.08% | 6.33% | 1.89% |
| Q4 2024 | 5.97% | 1.48% | 4.25% | 6.34% | 1.91% |
| Q1 2025 | 5.99% | 1.65% | 4.38% | 6.19% | 3.46% |
| Q2 2025 | 6.19% | 1.66% | 4.57% | 6.34% | 4.12% |
| Q3 2025 | 6.31% | 1.68% | 4.70% | 6.46% | 4.20% |
| Q4 2025 | 6.27% | 1.52% | 4.82% | 6.41% | 4.26% |
| Q1 2026 | 5.93% | 1.45% | 4.54% | 6.24% | 3.72% |
| Q2 2026 | 6.12% | 1.41% | 4.77% | 6.31% | 5.53% |
Montgomery 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 Montgomery 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 Montgomery Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8255) · FFIEC NIC profile (RSSD 613558)