O'Bannon Banking Company: 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, Cost of borrowings fell 0.38 percentage points in Q2 2026 to 3.58%, the biggest move on this page. O'Bannon Banking Company ranks 102nd of 192 Missouri banks on net interest margin, in the lower half at 4.00% (Q2 2026). At 4.00%, O'Bannon Banking Company'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 | 5.93% |
| Yield on loans | 6.74% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 5.48% | 1.80% | 3.77% | 6.30% | 1.88% |
| Q4 2023 | 5.75% | 2.11% | 3.76% | 6.58% | 1.92% |
| Q1 2024 | 5.85% | 2.10% | 3.86% | 6.65% | 2.10% |
| Q2 2024 | 6.02% | 2.29% | 3.86% | 6.86% | 2.17% |
| Q3 2024 | 6.20% | 2.44% | 3.92% | 7.12% | 2.35% |
| Q4 2024 | 6.30% | 2.44% | 4.03% | 7.27% | 2.47% |
| Q1 2025 | 5.98% | 2.31% | 3.80% | 6.96% | 2.60% |
| Q2 2025 | 6.21% | 2.28% | 4.06% | 7.22% | 2.80% |
| Q3 2025 | 6.24% | 2.25% | 4.14% | 7.18% | 2.94% |
| Q4 2025 | 6.23% | 2.20% | 4.19% | 7.12% | 2.90% |
| Q1 2026 | 5.96% | 2.08% | 4.00% | 6.82% | 2.89% |
| Q2 2026 | 5.93% | 2.05% | 4.00% | 6.74% | 3.08% |
O'Bannon Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock O'Bannon Banking Company, 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 O'Bannon Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8295) · FFIEC NIC profile (RSSD 955940)