New Era 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 2.2%, from $1.2M to $1.2M, the largest move among the key lines here. New Era Bank ranks 76th of 191 Missouri banks on net interest margin, in the upper half at 4.22% (Q2 2026). New Era Bank reported 4.22% on net interest margin for Q2 2026, 0.28 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 6.26% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.10% | 0.99% | 3.18% | 5.30% | 1.25% |
| Q4 2023 | 4.41% | 1.13% | 3.38% | 5.49% | 1.37% |
| Q1 2024 | 4.55% | 1.23% | 3.42% | 5.55% | 1.47% |
| Q2 2024 | 4.84% | 1.34% | 3.60% | 5.73% | 1.80% |
| Q3 2024 | 5.02% | 1.45% | 3.69% | 5.89% | 2.21% |
| Q4 2024 | 5.17% | 1.46% | 3.84% | 6.09% | 2.63% |
| Q1 2025 | 4.99% | 1.36% | 3.76% | 5.95% | 2.91% |
| Q2 2025 | 5.29% | 1.30% | 4.11% | 6.30% | 3.25% |
| Q3 2025 | 5.25% | 1.33% | 4.05% | 6.30% | 3.37% |
| Q4 2025 | 5.31% | 1.31% | 4.15% | 6.30% | 3.66% |
| Q1 2026 | 5.30% | 1.28% | 4.16% | 6.21% | 3.80% |
| Q2 2026 | 5.32% | 1.23% | 4.22% | 6.26% | 3.85% |
New Era 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 New Era 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 New Era Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14546) · FFIEC NIC profile (RSSD 1014657)