St. Johns Bank & Trust 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.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 5.04%, the biggest move on this page. On net interest margin, St. Johns Bank & Trust Company ranks 19th highest among the 192 banks headquartered in Missouri, at 5.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. St. Johns Bank & Trust Company sits 1.09 points higher, at 5.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.03% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.35% |
| Cost of interest-bearing deposits | 0.49% |
| Cost of interest-bearing liabilities | 0.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.04% |
| Yield to cost spread | 4.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $226K |
| Interest expense on deposits | $226K |
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 | 4.50% | 0.29% | 4.23% | 5.75% | 0.78% |
| Q4 2023 | 4.52% | 0.40% | 4.16% | 5.80% | 0.78% |
| Q1 2024 | 4.66% | 0.53% | 4.17% | 5.81% | 0.74% |
| Q2 2024 | 4.68% | 0.42% | 4.29% | 5.85% | 0.74% |
| Q3 2024 | 4.52% | 0.43% | 4.13% | 5.67% | 0.74% |
| Q4 2024 | 4.68% | 0.40% | 4.31% | 5.82% | 0.73% |
| Q1 2025 | 4.61% | 0.36% | 4.28% | 5.70% | 0.73% |
| Q2 2025 | 4.77% | 0.31% | 4.49% | 5.84% | 0.75% |
| Q3 2025 | 5.00% | 0.32% | 4.71% | 6.06% | 0.95% |
| Q4 2025 | 5.22% | 0.35% | 4.90% | 6.19% | 1.79% |
| Q1 2026 | 5.09% | 0.34% | 4.78% | 5.85% | 2.44% |
| Q2 2026 | 5.36% | 0.35% | 5.04% | 6.03% | 2.87% |
St. Johns Bank & Trust 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 St. Johns Bank & Trust 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 St. Johns Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8898) · FFIEC NIC profile (RSSD 173557)