New Frontier 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.
Compared with Q1 2026, Yield on loans rose 0.68 percentage points in Q2 2026 to 7.00%, the biggest move on this page. New Frontier Bank ranks 113th of 192 Missouri banks on net interest margin, in the lower half at 3.92% (Q2 2026). At 3.92%, New Frontier Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 7.00% |
| Yield on securities | 3.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $897K |
| Interest expense on deposits | $897K |
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 | 5.23% | 1.70% | 3.62% | 5.47% | 4.18% |
| Q4 2023 | 5.32% | 1.87% | 3.53% | 5.60% | 4.24% |
| Q1 2024 | 5.48% | 2.15% | 3.41% | 5.76% | 4.25% |
| Q2 2024 | 5.70% | 2.27% | 3.54% | 6.03% | 4.34% |
| Q3 2024 | 5.69% | 2.53% | 3.26% | 6.06% | 4.35% |
| Q4 2024 | 5.72% | 2.62% | 3.20% | 6.22% | 4.12% |
| Q1 2025 | 5.68% | 2.42% | 3.30% | 6.19% | 4.10% |
| Q2 2025 | 5.80% | 2.37% | 3.50% | 6.32% | 4.21% |
| Q3 2025 | 6.10% | 2.44% | 3.74% | 6.59% | 4.25% |
| Q4 2025 | 5.95% | 2.38% | 3.67% | 6.50% | 4.10% |
| Q1 2026 | 5.83% | 2.29% | 3.59% | 6.32% | 3.93% |
| Q2 2026 | 6.24% | 2.36% | 3.92% | 7.00% | 3.88% |
New Frontier 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 Frontier 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 Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35597) · FFIEC NIC profile (RSSD 2917184)