Story Bank dba Story Financial Partners: 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, Cost of borrowings rose 0.44 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Story Bank dba Story Financial Partners ranks 33rd of 57 Mississippi banks on net interest margin, in the lower half at 3.82% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Story Bank dba Story Financial Partners reported 3.82% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.08% |
| Yield on securities | 2.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.3M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.8M |
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 | 5.60% | 2.54% | 3.24% | 5.72% | 1.79% |
| Q4 2023 | 5.68% | 2.80% | 3.14% | 5.77% | 1.90% |
| Q1 2024 | 5.74% | 2.88% | 3.13% | 5.82% | 1.90% |
| Q2 2024 | 5.91% | 3.01% | 3.17% | 6.04% | 1.81% |
| Q3 2024 | 6.05% | 3.11% | 3.25% | 6.16% | 1.85% |
| Q4 2024 | 6.20% | 2.74% | 3.71% | 6.27% | 1.91% |
| Q1 2025 | 5.85% | 2.64% | 3.43% | 5.94% | 1.82% |
| Q2 2025 | 6.11% | 2.73% | 3.63% | 6.27% | 1.86% |
| Q3 2025 | 6.19% | 2.79% | 3.66% | 6.37% | 1.80% |
| Q4 2025 | 5.93% | 2.52% | 3.63% | 6.09% | 2.04% |
| Q1 2026 | 5.81% | 2.29% | 3.69% | 5.96% | 1.99% |
| Q2 2026 | 5.93% | 2.28% | 3.82% | 6.08% | 2.07% |
Story Bank dba Story Financial Partners yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Story Bank dba Story Financial Partners, 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 Story Bank dba Story Financial Partners profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57069) · FFIEC NIC profile (RSSD 2948058)