Sullivan 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.56%. Within Missouri, Sullivan Bank is 150th of 191 on net interest margin, 3.56% as of Q2 2026. Sullivan Bank reported 3.56% on net interest margin for Q2 2026, 0.15 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.31% |
| Yield on loans | 6.59% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 3.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.0M |
| Total interest expense | $8.9M |
| Interest expense on deposits | $8.6M |
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 | 5.66% | 2.63% | 3.26% | 5.80% | 3.40% |
| Q4 2023 | 5.98% | 2.79% | 3.39% | 6.08% | 3.42% |
| Q1 2024 | 6.00% | 3.03% | 3.20% | 6.17% | 3.45% |
| Q2 2024 | 6.02% | 3.29% | 2.98% | 6.14% | 3.48% |
| Q3 2024 | 6.34% | 3.25% | 3.18% | 6.56% | 3.47% |
| Q4 2024 | 6.41% | 3.15% | 3.32% | 6.59% | 3.45% |
| Q1 2025 | 6.25% | 3.31% | 3.14% | 6.52% | 3.18% |
| Q2 2025 | 6.38% | 3.28% | 3.30% | 6.62% | 3.05% |
| Q3 2025 | 6.39% | 3.21% | 3.38% | 6.70% | 3.16% |
| Q4 2025 | 6.36% | 3.13% | 3.43% | 6.65% | 3.65% |
| Q1 2026 | 6.15% | 2.93% | 3.38% | 6.45% | 3.50% |
| Q2 2026 | 6.31% | 2.90% | 3.56% | 6.59% | 3.45% |
Sullivan 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 Sullivan 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 Sullivan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8892) · FFIEC NIC profile (RSSD 436953)