Sherwood Community 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 climbed 1.11 percentage points in Q2 2026, from 4.26% to 5.37%. It was the largest change from Q1 2026 among the key lines here. Among 192 Missouri banks, Sherwood Community Bank sits 10th from the top on net interest margin, 5.37% as of Q2 2026. Sherwood Community Bank reported 5.37% on net interest margin for Q2 2026, 1.48 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.61% |
| Yield on loans | 8.23% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.37% |
| Yield to cost spread | 4.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $229K |
| Interest expense on deposits | $227K |
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 | 4.86% | 1.45% | 3.61% | 6.42% | 2.14% |
| Q4 2023 | 4.92% | 1.82% | 3.21% | 6.57% | 1.98% |
| Q1 2024 | 5.15% | 2.17% | 3.13% | 6.72% | 2.00% |
| Q2 2024 | 5.22% | 2.69% | 3.12% | 6.87% | 1.94% |
| Q3 2024 | 5.39% | 2.41% | 3.34% | 7.07% | 1.98% |
| Q4 2024 | 5.43% | 2.35% | 3.45% | 7.20% | 1.98% |
| Q1 2025 | 5.03% | 1.63% | 3.59% | 6.82% | 2.12% |
| Q2 2025 | 5.30% | 1.51% | 3.91% | 7.09% | 2.25% |
| Q3 2025 | 5.32% | 1.54% | 3.90% | 7.07% | 2.37% |
| Q4 2025 | 5.77% | 1.56% | 4.35% | 7.41% | 2.42% |
| Q1 2026 | 5.52% | 1.45% | 4.26% | 7.06% | 2.48% |
| Q2 2026 | 6.61% | 1.36% | 5.37% | 8.23% | 2.54% |
Sherwood Community 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 Sherwood Community 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 Sherwood Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1612) · FFIEC NIC profile (RSSD 887854)