Unico 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 Cost of borrowings, which rose 0.55 percentage points to 4.23%. Within Missouri, Unico Bank is 55th of 192 on net interest margin, 4.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Unico Bank sits 0.48 points higher, at 4.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 6.79% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | 5.31% | 1.78% | 3.55% | 5.76% | 1.44% |
| Q4 2023 | 5.61% | 2.07% | 3.56% | 5.99% | 2.08% |
| Q1 2024 | 5.84% | 2.29% | 3.55% | 6.23% | 1.83% |
| Q2 2024 | 6.09% | 2.53% | 3.65% | 6.52% | 1.88% |
| Q3 2024 | 6.45% | 2.60% | 3.95% | 6.96% | 1.42% |
| Q4 2024 | 6.39% | 2.50% | 4.02% | 6.96% | 1.97% |
| Q1 2025 | 6.12% | 2.38% | 3.84% | 6.74% | 2.33% |
| Q2 2025 | 6.30% | 2.28% | 4.13% | 6.90% | 2.86% |
| Q3 2025 | 6.48% | 2.26% | 4.33% | 7.02% | 3.22% |
| Q4 2025 | 6.41% | 2.12% | 4.39% | 6.94% | 3.06% |
| Q1 2026 | 6.19% | 1.97% | 4.32% | 6.70% | 3.04% |
| Q2 2026 | 6.25% | 1.92% | 4.43% | 6.79% | 3.11% |
Unico 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 Unico 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 Unico Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10608) · FFIEC NIC profile (RSSD 975153)