STRYV 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 climbed 14.7% in Q2 2026, from $1.8M to $2.0M. It was the largest change from Q1 2026 among the key lines here. STRYV Bank ranks 78th of 182 Kansas banks on net interest margin, in the upper half at 4.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. STRYV Bank sits 0.12 points higher, at 4.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.61% |
| Yield on loans | 6.94% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 3.21% |
| Cost of interest-bearing liabilities | 3.22% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 5.72% | 2.05% | 3.81% | 6.07% | 3.79% |
| Q4 2023 | 6.18% | 2.51% | 3.86% | 6.57% | 3.84% |
| Q1 2024 | 6.28% | 2.54% | 3.91% | 6.66% | 3.83% |
| Q2 2024 | 6.46% | 2.84% | 3.82% | 6.86% | 3.89% |
| Q3 2024 | 6.68% | 2.83% | 3.91% | 7.08% | 3.84% |
| Q4 2024 | 6.78% | 2.74% | 4.26% | 7.16% | 3.67% |
| Q1 2025 | 6.56% | 2.51% | 4.25% | 6.89% | 3.77% |
| Q2 2025 | 6.79% | 2.69% | 4.34% | 7.14% | 3.85% |
| Q3 2025 | 6.79% | 2.77% | 4.27% | 7.14% | 3.85% |
| Q4 2025 | 6.87% | 2.60% | 4.44% | 7.19% | 3.90% |
| Q1 2026 | 6.67% | 2.60% | 4.23% | 7.05% | 3.89% |
| Q2 2026 | 6.61% | 2.72% | 4.06% | 6.94% | 3.91% |
STRYV 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 STRYV 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 STRYV Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21955) · FFIEC NIC profile (RSSD 372855)