North American Savings Bank, FSB: 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 1.9% between Q1 2026 and Q2 2026, to $22.1M. On net interest margin, North American Savings Bank, FSB is 6th from the bottom among 192 Missouri banks, 2.91% (Q2 2026). North American Savings Bank, FSB reported 2.91% on net interest margin for Q2 2026, 0.80 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.40% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.29% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.39% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 2.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $34.8M |
| Total interest expense | $22.1M |
| Interest expense on deposits | $14.5M |
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 | 5.57% | 3.17% | 2.92% | 5.87% | 3.22% |
| Q4 2023 | 5.64% | 3.38% | 2.88% | 5.94% | 3.50% |
| Q1 2024 | 5.81% | 3.52% | 2.89% | 6.13% | 3.81% |
| Q2 2024 | 5.90% | 3.77% | 2.86% | 6.20% | 4.29% |
| Q3 2024 | 5.95% | 3.72% | 2.77% | 6.25% | 4.70% |
| Q4 2024 | 5.86% | 3.51% | 2.76% | 6.23% | 4.38% |
| Q1 2025 | 5.75% | 3.48% | 2.67% | 6.19% | 4.37% |
| Q2 2025 | 5.77% | 3.61% | 2.72% | 6.22% | 4.43% |
| Q3 2025 | 5.94% | 3.47% | 2.93% | 6.37% | 4.58% |
| Q4 2025 | 5.82% | 3.40% | 2.88% | 6.35% | 4.18% |
| Q1 2026 | 5.71% | 3.30% | 2.87% | 6.36% | 3.86% |
| Q2 2026 | 5.72% | 3.29% | 2.91% | 6.40% | 3.97% |
North American Savings Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock North American Savings Bank, FSB, 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 North American Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29708) · FFIEC NIC profile (RSSD 211271)