Sterling 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.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 0.5% between Q1 2026 and Q2 2026, to $9.0M. Within Missouri, Sterling Bank is 60th of 192 on net interest margin, 4.35% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Sterling Bank sits 0.64 points higher, at 4.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.79% |
| Yield on loans | 8.05% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.8M |
| Total interest expense | $9.0M |
| Interest expense on deposits | $9.0M |
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 | 6.58% | 2.67% | 4.11% | 7.00% | 2.84% |
| Q4 2023 | 7.04% | 2.94% | 4.31% | 7.66% | 3.31% |
| Q1 2024 | 6.83% | 2.97% | 4.06% | 7.40% | 3.44% |
| Q2 2024 | 7.26% | 2.99% | 4.49% | 7.94% | 3.78% |
| Q3 2024 | 7.00% | 3.12% | 4.11% | 7.64% | 3.87% |
| Q4 2024 | 7.28% | 3.00% | 4.50% | 8.32% | 3.92% |
| Q1 2025 | 6.69% | 2.79% | 4.10% | 7.55% | 4.00% |
| Q2 2025 | 7.30% | 2.74% | 4.75% | 8.23% | 4.11% |
| Q3 2025 | 7.61% | 2.80% | 5.00% | 8.64% | 4.15% |
| Q4 2025 | 7.34% | 2.77% | 4.75% | 8.65% | 3.90% |
| Q1 2026 | 6.83% | 2.65% | 4.36% | 8.10% | 3.92% |
| Q2 2026 | 6.79% | 2.62% | 4.35% | 8.05% | 3.90% |
Sterling 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 Sterling 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 Sterling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57813) · FFIEC NIC profile (RSSD 3284490)