Pony Express 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 rose 3.5% to $1.5M. Within Missouri, Pony Express Bank is 22nd of 191 on net interest margin, 4.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Pony Express Bank sits 1.05 points higher, at 4.99% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.59% |
| Yield on loans | 7.26% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.99% |
| Yield to cost spread | 4.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.3M |
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 | 6.02% | 1.76% | 4.45% | 6.80% | 2.25% |
| Q4 2023 | 6.22% | 1.98% | 4.59% | 7.12% | 2.18% |
| Q1 2024 | 6.28% | 2.03% | 4.40% | 7.24% | 2.16% |
| Q2 2024 | 6.32% | 2.33% | 4.27% | 7.11% | 2.39% |
| Q3 2024 | 6.46% | 2.35% | 4.34% | 7.44% | 2.35% |
| Q4 2024 | 6.87% | 2.08% | 4.99% | 7.43% | 4.24% |
| Q1 2025 | 6.40% | 1.81% | 4.76% | 7.14% | 2.90% |
| Q2 2025 | 6.52% | 1.97% | 4.74% | 7.24% | 2.91% |
| Q3 2025 | 6.87% | 1.98% | 5.04% | 7.63% | 3.09% |
| Q4 2025 | 6.69% | 1.84% | 5.02% | 7.44% | 2.94% |
| Q1 2026 | 6.57% | 1.72% | 4.99% | 7.18% | 2.88% |
| Q2 2026 | 6.59% | 1.75% | 4.99% | 7.26% | 3.04% |
Pony Express 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 Pony Express 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 Pony Express Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4526) · FFIEC NIC profile (RSSD 953843)