Royal Banks of Missouri: 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 Net interest margin, which rose 0.22 percentage points to 4.13%. Within Missouri, Royal Banks of Missouri is 83rd of 192 on net interest margin, 4.13% as of Q2 2026, above the middle of the field. Royal Banks of Missouri reported 4.13% on net interest margin for Q2 2026, 0.42 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.9M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.6M |
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 |
|---|---|---|---|
| Q3 2023 | 5.08% | 1.93% | 3.24% |
| Q4 2023 | 5.24% | 2.21% | 3.13% |
| Q1 2024 | 5.46% | 2.30% | 3.25% |
| Q2 2024 | 5.60% | 2.35% | 3.37% |
| Q3 2024 | 5.74% | 3.10% | 2.77% |
| Q4 2024 | 5.74% | 2.45% | 3.39% |
| Q1 2025 | 5.56% | 2.38% | 3.21% |
| Q2 2025 | 5.84% | 2.32% | 3.57% |
| Q3 2025 | 6.08% | 2.25% | 3.89% |
| Q4 2025 | 6.08% | 2.14% | 3.99% |
| Q1 2026 | 5.94% | 2.08% | 3.91% |
| Q2 2026 | 6.12% | 2.05% | 4.13% |
Royal Banks of Missouri yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal Banks of Missouri, 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 Royal Banks of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19512) · FFIEC NIC profile (RSSD 501459)