Regional Missouri 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.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 4.51%, the biggest move on this page. Within Missouri, Regional Missouri Bank is 49th of 192 on net interest margin, 4.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Regional Missouri Bank sits 0.56 points higher, at 4.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.63% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $2.2M |
| 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 | 5.25% | 1.85% | 3.53% | 6.03% | 1.88% |
| Q4 2023 | 5.33% | 2.12% | 3.36% | 6.14% | 1.90% |
| Q1 2024 | 5.46% | 2.18% | 3.44% | 6.26% | 1.93% |
| Q2 2024 | 5.62% | 2.10% | 3.68% | 6.43% | 2.05% |
| Q3 2024 | 5.80% | 2.21% | 3.75% | 6.59% | 2.07% |
| Q4 2024 | 5.75% | 2.26% | 3.64% | 6.54% | 2.14% |
| Q1 2025 | 5.66% | 2.17% | 3.64% | 6.42% | 2.18% |
| Q2 2025 | 5.82% | 2.08% | 3.89% | 6.60% | 2.34% |
| Q3 2025 | 5.94% | 2.05% | 4.05% | 6.69% | 2.39% |
| Q4 2025 | 6.14% | 1.93% | 4.36% | 6.94% | 2.47% |
| Q1 2026 | 5.88% | 1.71% | 4.30% | 6.52% | 2.62% |
| Q2 2026 | 6.05% | 1.66% | 4.51% | 6.63% | 2.90% |
Regional Missouri 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 Regional Missouri 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 Regional Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18385) · FFIEC NIC profile (RSSD 579140)