The Nodaway Valley 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.1% between Q1 2026 and Q2 2026, to $5.0M. The Nodaway Valley Bank ranks 99th of 192 Missouri banks on net interest margin, in the lower half at 4.02% (Q2 2026). The Nodaway Valley Bank reported 4.02% on net interest margin for Q2 2026, 0.31 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.74% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 2.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.4M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $4.6M |
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 | 4.46% | 0.70% | 3.82% | 5.92% | 2.02% |
| Q4 2023 | 4.72% | 0.90% | 3.90% | 6.23% | 2.08% |
| Q1 2024 | 4.82% | 1.13% | 3.78% | 6.34% | 2.09% |
| Q2 2024 | 4.99% | 1.22% | 3.88% | 6.53% | 2.09% |
| Q3 2024 | 5.13% | 1.36% | 3.90% | 6.67% | 2.14% |
| Q4 2024 | 5.15% | 1.33% | 3.96% | 6.72% | 2.09% |
| Q1 2025 | 5.06% | 1.28% | 3.90% | 6.59% | 2.11% |
| Q2 2025 | 5.20% | 1.28% | 4.05% | 6.70% | 2.11% |
| Q3 2025 | 5.33% | 1.31% | 4.16% | 6.85% | 2.08% |
| Q4 2025 | 5.31% | 1.33% | 4.13% | 6.83% | 2.14% |
| Q1 2026 | 5.15% | 1.17% | 3.92% | 6.72% | 2.15% |
| Q2 2026 | 5.24% | 1.36% | 4.02% | 6.74% | 2.17% |
The Nodaway Valley 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 The Nodaway Valley 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 The Nodaway Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8904) · FFIEC NIC profile (RSSD 770657)