Ozark 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.5% to $1.4M. Ozark Bank ranks 68th of 191 Missouri banks on net interest margin, in the upper half at 4.26% (Q2 2026). Ozark Bank reported 4.26% on net interest margin for Q2 2026, 0.32 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.67% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.26% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.1M |
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% | 2.06% | 3.30% | 6.26% | 1.89% |
| Q4 2023 | 5.38% | 2.37% | 3.16% | 6.45% | 2.20% |
| Q1 2024 | 5.44% | 2.50% | 3.06% | 6.51% | 2.41% |
| Q2 2024 | 5.61% | 2.47% | 3.28% | 6.67% | 2.26% |
| Q3 2024 | 5.76% | 2.45% | 3.45% | 6.86% | 2.28% |
| Q4 2024 | 5.80% | 2.32% | 3.64% | 6.87% | 2.39% |
| Q1 2025 | 5.75% | 2.23% | 3.66% | 6.77% | 2.47% |
| Q2 2025 | 5.89% | 2.18% | 3.84% | 6.84% | 2.35% |
| Q3 2025 | 5.99% | 2.09% | 4.02% | 6.94% | 2.38% |
| Q4 2025 | 6.08% | 1.98% | 4.23% | 6.92% | 2.40% |
| Q1 2026 | 5.87% | 1.82% | 4.16% | 6.64% | 2.72% |
| Q2 2026 | 5.92% | 1.77% | 4.26% | 6.67% | 2.77% |
Ozark 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 Ozark 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 Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1654) · FFIEC NIC profile (RSSD 882952)