Montrose Savings 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 0.08 percentage points, from 4.69% to 4.77%, the largest move among the key lines here. Montrose Savings Bank ranks 28th of 192 Missouri banks on net interest margin, in the upper half at 4.77% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Montrose Savings Bank sits 0.88 points higher, at 4.77% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 7.45% |
| Yield on securities | 4.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.77% |
| Yield to cost spread | 4.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $596K |
| Total interest expense | $184K |
| Interest expense on deposits | $184K |
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 | 4.43% | 0.84% | 3.68% | 6.23% | 2.31% |
| Q4 2023 | 4.68% | 1.07% | 3.73% | 6.44% | 2.53% |
| Q1 2024 | 4.84% | 1.17% | 3.81% | 6.57% | 2.72% |
| Q2 2024 | 5.08% | 1.27% | 3.97% | 6.79% | 2.99% |
| Q3 2024 | 5.34% | 1.43% | 4.09% | 7.02% | 3.21% |
| Q4 2024 | 5.46% | 1.53% | 4.13% | 7.09% | 3.33% |
| Q1 2025 | 5.53% | 1.46% | 4.24% | 7.10% | 3.47% |
| Q2 2025 | 5.84% | 1.46% | 4.56% | 7.29% | 3.87% |
| Q3 2025 | 6.02% | 1.45% | 4.74% | 7.50% | 4.07% |
| Q4 2025 | 6.12% | 1.44% | 4.85% | 7.47% | 4.26% |
| Q1 2026 | 5.91% | 1.36% | 4.69% | 7.32% | 4.34% |
| Q2 2026 | 6.00% | 1.38% | 4.77% | 7.45% | 4.49% |
Montrose Savings 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 Montrose Savings 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 Montrose Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8594) · FFIEC NIC profile (RSSD 753052)