Putnam County State 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 Yield on securities, which rose 0.66 percentage points to 3.46%. Within Missouri, Putnam County State Bank is 161st of 192 on net interest margin, 3.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Putnam County State Bank sits 0.49 points lower, at 3.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.64% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.40% |
| Cost of interest-bearing liabilities | 3.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 6.06% | 2.70% | 3.71% | 6.19% | 1.62% |
| Q4 2023 | 6.27% | 2.95% | 3.71% | 6.47% | 1.61% |
| Q1 2024 | 6.37% | 3.15% | 3.59% | 6.68% | 1.28% |
| Q2 2024 | 6.55% | 3.30% | 3.63% | 6.82% | 3.03% |
| Q3 2024 | 6.71% | 3.44% | 3.67% | 6.94% | 2.21% |
| Q4 2024 | 6.76% | 3.41% | 3.79% | 7.10% | 2.45% |
| Q1 2025 | 6.59% | 3.18% | 3.77% | 7.00% | 2.50% |
| Q2 2025 | 6.50% | 3.13% | 3.75% | 7.00% | 2.52% |
| Q3 2025 | 6.55% | 3.04% | 3.81% | 7.01% | 2.80% |
| Q4 2025 | 6.43% | 2.94% | 3.78% | 6.97% | 2.66% |
| Q1 2026 | 6.05% | 2.81% | 3.49% | 6.77% | 2.81% |
| Q2 2026 | 5.95% | 2.78% | 3.46% | 6.64% | 3.46% |
Putnam County State 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 Putnam County State 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 Putnam County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22895) · FFIEC NIC profile (RSSD 382658)