State Bank of Southwest 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.
In Q2 2026, Yield on securities edged up by 0.23 percentage points, from 2.41% to 2.64%, the largest move among the key lines here. Within Missouri, State Bank of Southwest Missouri is 73rd of 192 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank of Southwest Missouri sits 0.29 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.23% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 2.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $687K |
| Interest expense on deposits | $644K |
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 | 4.84% | 1.05% | 3.80% | 5.26% | 1.09% |
| Q4 2023 | 5.01% | 1.31% | 3.78% | 5.62% | 1.12% |
| Q1 2024 | 5.25% | 1.45% | 3.78% | 5.66% | 0.97% |
| Q2 2024 | 5.44% | 1.60% | 3.82% | 5.87% | 0.99% |
| Q3 2024 | 5.66% | 1.71% | 3.94% | 6.09% | 0.96% |
| Q4 2024 | 5.60% | 1.52% | 4.09% | 6.00% | 1.04% |
| Q1 2025 | 5.57% | 1.57% | 4.00% | 5.94% | 1.10% |
| Q2 2025 | 5.65% | 1.61% | 4.08% | 6.14% | 1.03% |
| Q3 2025 | 5.94% | 1.60% | 4.34% | 6.31% | 1.04% |
| Q4 2025 | 5.96% | 1.62% | 4.36% | 6.28% | 1.43% |
| Q1 2026 | 5.72% | 1.53% | 4.20% | 6.10% | 2.41% |
| Q2 2026 | 5.85% | 1.64% | 4.24% | 6.23% | 2.64% |
State Bank of Southwest 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 Southwest 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 Southwest Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26358) · FFIEC NIC profile (RSSD 293754)