Stone 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.
Total interest expense rose 5.9% from Q1 2026 to Q2 2026, ending at $7.0M against $6.7M. It was the largest change among the key lines on this page. Stone Bank has the 2nd lowest net interest margin of the 78 banks headquartered in Arkansas, at 2.97% as of Q2 2026. Stone Bank reported 2.97% on net interest margin for Q2 2026, 0.97 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.60% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.28% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.48% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.97% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $5.8M |
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 | 5.71% | 3.07% | 2.73% | 6.12% | 2.88% |
| Q4 2023 | 5.73% | 3.34% | 2.48% | 6.17% | 2.96% |
| Q1 2024 | 6.30% | 3.48% | 2.91% | 6.73% | 2.93% |
| Q2 2024 | 6.23% | 3.73% | 2.62% | 6.68% | 2.97% |
| Q3 2024 | 6.42% | 3.87% | 2.67% | 6.89% | 3.10% |
| Q4 2024 | 6.35% | 3.66% | 2.57% | 6.79% | 3.23% |
| Q1 2025 | 6.08% | 3.54% | 2.64% | 6.53% | 3.28% |
| Q2 2025 | 5.92% | 3.53% | 2.51% | 6.38% | 3.34% |
| Q3 2025 | 6.55% | 3.56% | 3.10% | 7.11% | 3.34% |
| Q4 2025 | 6.41% | 3.50% | 2.99% | 6.85% | 3.37% |
| Q1 2026 | 6.17% | 3.30% | 2.97% | 6.62% | 3.47% |
| Q2 2026 | 6.16% | 3.28% | 2.97% | 6.60% | 3.51% |
Stone 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 Stone 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 Stone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17431) · FFIEC NIC profile (RSSD 913146)