State Bank 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.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.84%, the biggest move on this page. State Bank of Missouri ranks 125th of 192 Missouri banks on net interest margin, in the lower half at 3.84% (Q2 2026). At 3.84%, State Bank of Missouri's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 6.69% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $461K |
| Interest expense on deposits | $461K |
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 | 4.19% | 1.54% | 2.75% | 5.99% | 1.60% |
| Q4 2023 | 4.38% | 1.60% | 2.88% | 6.19% | 1.62% |
| Q1 2024 | 4.52% | 1.74% | 2.87% | 6.35% | 1.82% |
| Q2 2024 | 4.67% | 1.74% | 3.03% | 6.53% | 2.04% |
| Q3 2024 | 4.72% | 1.76% | 3.06% | 6.55% | 2.13% |
| Q4 2024 | 4.80% | 1.59% | 3.31% | 6.68% | 2.18% |
| Q1 2025 | 4.67% | 1.54% | 3.22% | 6.44% | 2.25% |
| Q2 2025 | 4.92% | 1.55% | 3.48% | 6.62% | 2.37% |
| Q3 2025 | 5.22% | 1.47% | 3.84% | 7.01% | 2.43% |
| Q4 2025 | 5.15% | 1.33% | 3.90% | 6.86% | 2.46% |
| Q1 2026 | 5.05% | 1.46% | 3.71% | 6.55% | 2.57% |
| Q2 2026 | 5.21% | 1.50% | 3.84% | 6.69% | 2.72% |
State Bank 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 State Bank 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 State Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10623) · FFIEC NIC profile (RSSD 565844)