Silex Banking Company: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.67%. Silex Banking Company ranks 139th of 192 Missouri banks on net interest margin, in the lower half at 3.67% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Silex Banking Company sits 0.22 points lower, at 3.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $953K |
| Total interest expense | $323K |
| Interest expense on deposits | $323K |
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 | 4.17% | 0.92% | 3.36% |
| Q4 2023 | 4.29% | 1.08% | 3.35% |
| Q1 2024 | 4.44% | 1.35% | 3.24% |
| Q2 2024 | 4.60% | 1.58% | 3.23% |
| Q3 2024 | 4.74% | 1.78% | 3.19% |
| Q4 2024 | 4.66% | 1.84% | 3.06% |
| Q1 2025 | 4.63% | 1.75% | 3.09% |
| Q2 2025 | 4.80% | 1.72% | 3.31% |
| Q3 2025 | 4.96% | 1.63% | 3.54% |
| Q4 2025 | 4.90% | 1.56% | 3.54% |
| Q1 2026 | 4.99% | 1.59% | 3.58% |
| Q2 2026 | 5.05% | 1.55% | 3.67% |
Silex Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Silex Banking Company, 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 Silex Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14178) · FFIEC NIC profile (RSSD 552956)