Progressive 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 5.63% against 5.43%. It was the largest change among the key lines on this page. On net interest margin, Progressive Ozark Bank ranks 5th highest among the 192 banks headquartered in Missouri, at 5.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Progressive Ozark Bank sits 1.68 points higher, at 5.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 6.94% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 1.25% |
| Cost of interest-bearing liabilities | 1.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.63% |
| Yield to cost spread | 5.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $412K |
| Interest expense on deposits | $412K |
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 | 5.64% | 0.72% | 4.95% | 5.78% | 2.22% |
| Q4 2023 | 5.85% | 1.22% | 4.70% | 5.98% | 2.32% |
| Q1 2024 | 5.93% | 1.14% | 4.83% | 6.06% | 2.65% |
| Q2 2024 | 6.02% | 1.17% | 4.90% | 6.19% | 3.30% |
| Q3 2024 | 6.32% | 1.08% | 5.29% | 6.53% | 3.40% |
| Q4 2024 | 6.49% | 1.04% | 5.50% | 6.70% | 3.52% |
| Q1 2025 | 6.31% | 1.10% | 5.25% | 6.45% | 3.63% |
| Q2 2025 | 6.53% | 1.06% | 5.50% | 6.78% | 3.58% |
| Q3 2025 | 6.59% | 1.11% | 5.53% | 6.91% | 3.91% |
| Q4 2025 | 6.55% | 1.13% | 5.48% | 6.90% | 4.03% |
| Q1 2026 | 6.38% | 1.00% | 5.43% | 6.72% | 3.86% |
| Q2 2026 | 6.56% | 0.97% | 5.63% | 6.94% | 4.24% |
Progressive 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 Progressive 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 Progressive Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31488) · FFIEC NIC profile (RSSD 143372)