United Bank of Union: 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, Total interest expense fell 6.2% in Q2 2026 to $2.8M, the biggest move on this page. Within Missouri, United Bank of Union is 94th of 192 on net interest margin, 4.05% 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; United Bank of Union reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.9M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.5M |
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 |
|---|---|---|---|
| Q3 2023 | 5.46% | 1.95% | 3.54% |
| Q4 2023 | 5.80% | 2.28% | 3.61% |
| Q1 2024 | 5.78% | 2.48% | 3.47% |
| Q2 2024 | 5.92% | 2.60% | 3.50% |
| Q3 2024 | 6.11% | 2.73% | 3.59% |
| Q4 2024 | 5.97% | 2.62% | 3.57% |
| Q1 2025 | 5.98% | 2.39% | 3.77% |
| Q2 2025 | 6.07% | 2.31% | 3.94% |
| Q3 2025 | 6.14% | 2.38% | 3.95% |
| Q4 2025 | 6.10% | 2.37% | 3.94% |
| Q1 2026 | 5.93% | 2.25% | 3.85% |
| Q2 2026 | 6.02% | 2.14% | 4.05% |
United Bank of Union yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Union, 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 United Bank of Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14334) · FFIEC NIC profile (RSSD 562058)