Neighbors 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: 3.49 percentage points higher than in Q1 2026, at 3.49%. Neighbors Bank has the 7th lowest net interest margin of the 192 banks headquartered in Missouri, at 2.92% as of Q2 2026. Neighbors Bank reported 2.92% on net interest margin for Q2 2026, 1.03 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.91% |
| Cost of interest-bearing deposits | 3.33% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.92% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $622K |
| Interest expense on deposits | $616K |
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 |
|---|---|---|---|
| Q3 2023 | 5.03% | 2.73% | 2.66% |
| Q4 2023 | 5.60% | 2.77% | 3.17% |
| Q1 2024 | 4.97% | 2.75% | 2.57% |
| Q2 2024 | 5.38% | 2.97% | 2.96% |
| Q3 2024 | 6.19% | 3.39% | 3.29% |
| Q4 2024 | 5.68% | 3.97% | 3.00% |
| Q1 2025 | 5.75% | 3.03% | 3.36% |
| Q2 2025 | 5.47% | 3.03% | 2.93% |
| Q3 2025 | 5.92% | 3.30% | 3.13% |
| Q4 2025 | 5.74% | 3.23% | 2.86% |
| Q1 2026 | 5.13% | 2.96% | 2.47% |
| Q2 2026 | 5.54% | 2.91% | 2.92% |
Neighbors 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 Neighbors 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 Neighbors Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16247) · FFIEC NIC profile (RSSD 503640)