Southwest 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, Total interest expense fell 3.8% in Q2 2026 to $3.9M, the biggest move on this page. Within Missouri, Southwest Missouri Bank is 126th of 192 on net interest margin, 3.83% as of Q2 2026, below the middle of the field. Southwest Missouri Bank reported 3.83% on net interest margin for Q2 2026, 0.12 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 7.16% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.53% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | 1.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.4M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.7M |
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 | 4.15% | 1.49% | 2.94% | 6.36% | 1.63% |
| Q4 2023 | 4.36% | 1.78% | 2.92% | 6.67% | 1.63% |
| Q1 2024 | 4.63% | 1.76% | 2.96% | 6.95% | 1.77% |
| Q2 2024 | 4.68% | 1.77% | 3.01% | 6.92% | 1.98% |
| Q3 2024 | 4.86% | 1.81% | 3.15% | 7.07% | 2.10% |
| Q4 2024 | 5.00% | 1.71% | 3.39% | 7.15% | 2.14% |
| Q1 2025 | 4.95% | 1.62% | 3.41% | 7.10% | 2.31% |
| Q2 2025 | 5.07% | 1.60% | 3.56% | 7.23% | 2.36% |
| Q3 2025 | 5.17% | 1.57% | 3.69% | 7.26% | 2.44% |
| Q4 2025 | 5.21% | 1.53% | 3.78% | 7.33% | 2.43% |
| Q1 2026 | 5.12% | 1.47% | 3.74% | 7.17% | 2.44% |
| Q2 2026 | 5.16% | 1.41% | 3.83% | 7.16% | 2.60% |
Southwest 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 Southwest 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 Southwest Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22876) · FFIEC NIC profile (RSSD 760854)