Preferred 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.
Cost of borrowings climbed 7.12 percentage points in Q2 2026, from 6.23% to 13.36%. It was the largest change from Q1 2026 among the key lines here. Preferred 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 $100M-1B asset tier is 3.94% on net interest margin. Preferred Bank sits 0.35 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | 6.48% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | 13.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $991K |
| Total interest expense | $281K |
| Interest expense on deposits | $262K |
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 | 3.77% | 0.92% | 2.88% | 5.81% | 2.23% |
| Q4 2023 | 3.87% | 0.89% | 3.02% | 5.99% | 2.26% |
| Q1 2024 | 3.98% | 1.05% | 2.96% | 6.22% | 2.28% |
| Q2 2024 | 4.06% | 1.06% | 3.03% | 6.30% | 2.29% |
| Q3 2024 | 4.19% | 1.06% | 3.17% | 6.62% | 2.35% |
| Q4 2024 | 4.19% | 1.07% | 3.17% | 6.57% | 2.37% |
| Q1 2025 | 4.19% | 1.05% | 3.17% | 6.40% | 2.34% |
| Q2 2025 | 4.36% | 1.06% | 3.35% | 6.50% | 2.37% |
| Q3 2025 | 4.48% | 0.89% | 3.62% | 6.65% | 2.42% |
| Q4 2025 | 4.46% | 0.78% | 3.71% | 6.61% | 2.44% |
| Q1 2026 | 4.37% | 0.90% | 3.51% | 6.43% | 2.47% |
| Q2 2026 | 4.44% | 0.89% | 3.59% | 6.48% | 2.53% |
Preferred 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 Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10628) · FFIEC NIC profile (RSSD 252452)