OMB 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, Total interest expense rose 3.5% in Q2 2026 to $16.8M, the biggest move on this page. OMB Bank ranks 146th of 191 Missouri banks on net interest margin, in the lower half at 3.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. OMB Bank sits 0.12 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.64% |
| Yield on loans | 6.96% |
| Yield on securities | 3.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.31% |
| Cost of interest-bearing deposits | 3.59% |
| Cost of interest-bearing liabilities | 3.59% |
| Cost of borrowings | 4.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $34.6M |
| Total interest expense | $16.8M |
| Interest expense on deposits | $16.2M |
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 | 6.73% | 3.39% | 3.62% | 6.86% | 4.12% |
| Q4 2023 | 6.79% | 3.82% | 3.23% | 6.97% | 3.35% |
| Q1 2024 | 6.91% | 4.00% | 3.17% | 7.07% | 4.34% |
| Q2 2024 | 7.20% | 4.07% | 3.43% | 7.34% | 4.38% |
| Q3 2024 | 7.35% | 4.24% | 3.43% | 7.54% | 4.20% |
| Q4 2024 | 7.34% | 4.04% | 3.60% | 7.52% | 4.29% |
| Q1 2025 | 7.10% | 3.84% | 3.53% | 7.32% | 3.99% |
| Q2 2025 | 7.25% | 3.88% | 3.65% | 7.52% | 4.37% |
| Q3 2025 | 7.34% | 3.84% | 3.81% | 7.65% | 4.42% |
| Q4 2025 | 6.99% | 3.63% | 3.65% | 7.24% | 5.37% |
| Q1 2026 | 6.64% | 3.37% | 3.54% | 6.93% | 3.67% |
| Q2 2026 | 6.64% | 3.31% | 3.59% | 6.96% | 3.88% |
OMB 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 OMB 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 OMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8252) · FFIEC NIC profile (RSSD 2785646)