United Bank & Trust: 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, Yield on securities rose 0.34 percentage points in Q2 2026 to 2.05%, the biggest move on this page. Within Kansas, United Bank & Trust is 97th of 182 on net interest margin, 3.92% as of Q2 2026, below the middle of the field. At 3.92%, United Bank & Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 2.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.5M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $2.8M |
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 |
|---|---|---|---|
| Q3 2023 | 4.56% | 1.51% | 3.14% |
| Q4 2023 | 4.75% | 1.76% | 3.09% |
| Q1 2024 | 4.83% | 1.87% | 3.06% |
| Q2 2024 | 5.03% | 2.11% | 3.08% |
| Q3 2024 | 5.31% | 2.25% | 3.20% |
| Q4 2024 | 5.34% | 2.07% | 3.40% |
| Q1 2025 | 5.25% | 1.82% | 3.53% |
| Q2 2025 | 5.30% | 1.85% | 3.54% |
| Q3 2025 | 5.40% | 1.93% | 3.59% |
| Q4 2025 | 5.45% | 1.83% | 3.74% |
| Q1 2026 | 5.35% | 1.65% | 3.81% |
| Q2 2026 | 5.43% | 1.64% | 3.92% |
United Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17477) · FFIEC NIC profile (RSSD 990352)