Phelps County 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.
Total interest expense rose 3.8% from Q1 2026 to Q2 2026, ending at $2.0M against $1.9M. It was the largest change among the key lines on this page. Within Missouri, Phelps County Bank is 75th of 191 on net interest margin, 4.23% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Phelps County Bank sits 0.29 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.42% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 2.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.26% | 0.39% | 3.83% | 4.93% | 2.41% |
| Q4 2023 | 4.38% | 0.48% | 3.86% | 5.11% | 2.41% |
| Q1 2024 | 4.57% | 0.73% | 3.77% | 5.32% | 2.42% |
| Q2 2024 | 4.81% | 0.82% | 3.93% | 5.59% | 2.37% |
| Q3 2024 | 5.00% | 0.89% | 4.03% | 5.77% | 2.34% |
| Q4 2024 | 5.17% | 0.95% | 4.15% | 5.95% | 2.34% |
| Q1 2025 | 5.31% | 0.98% | 4.26% | 6.06% | 2.36% |
| Q2 2025 | 5.44% | 1.04% | 4.32% | 6.21% | 2.34% |
| Q3 2025 | 5.60% | 1.10% | 4.40% | 6.35% | 2.31% |
| Q4 2025 | 5.47% | 1.20% | 4.20% | 6.37% | 1.75% |
| Q1 2026 | 5.54% | 1.39% | 4.24% | 6.40% | 2.00% |
| Q2 2026 | 5.55% | 1.41% | 4.23% | 6.42% | 1.99% |
Phelps County 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 Phelps County 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 Phelps County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18841) · FFIEC NIC profile (RSSD 342054)