Paramount 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, Yield on earning assets rose 0.27 percentage points in Q2 2026 to 6.30%, the biggest move on this page. Paramount Bank ranks 170th of 191 Missouri banks on net interest margin, in the lower half at 3.28% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Paramount Bank sits 0.60 points lower, at 3.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 6.49% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.40% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.58% |
| Cost of borrowings | 3000.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $634K |
| Interest expense on deposits | $619K |
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 | 5.96% | 3.79% | 2.31% | 6.07% | 5.87% |
| Q4 2023 | 6.30% | 4.55% | 2.30% | 6.31% | 5.60% |
| Q1 2024 | 6.24% | 4.78% | 2.06% | 6.34% | 5.87% |
| Q2 2024 | 6.37% | 5.14% | 2.19% | 6.39% | 5.60% |
| Q3 2024 | 6.24% | 4.55% | 2.03% | 6.38% | 5.87% |
| Q4 2024 | 6.07% | 4.45% | 1.99% | 6.17% | 5.60% |
| Q1 2025 | 6.17% | 3.94% | 2.43% | 6.31% | 5.87% |
| Q2 2025 | 6.02% | 3.63% | 2.57% | 6.19% | 5.60% |
| Q3 2025 | 5.91% | 3.56% | 2.56% | 6.22% | 5.87% |
| Q4 2025 | 6.00% | 3.47% | 2.90% | 6.34% | 4.90% |
| Q1 2026 | 6.03% | 3.18% | 3.22% | 6.32% | — |
| Q2 2026 | 6.30% | 3.40% | 3.28% | 6.49% | — |
Paramount 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 Paramount 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 Paramount Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57884) · FFIEC NIC profile (RSSD 3308574)