United Security 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 4.09%, the biggest move on this page. United Security Bank ranks 89th of 192 Missouri banks on net interest margin, in the upper half at 4.09% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. United Security Bank sits 0.20 points higher, at 4.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.90% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $454K |
| Interest expense on deposits | $368K |
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 | 4.66% | 2.42% | 2.82% | 5.94% | 2.16% |
| Q4 2023 | 4.88% | 2.47% | 2.98% | 6.21% | 2.15% |
| Q1 2024 | 4.97% | 2.91% | 2.71% | 6.30% | 2.14% |
| Q2 2024 | 5.17% | 2.49% | 3.24% | 6.53% | 2.21% |
| Q3 2024 | 5.26% | 2.73% | 3.20% | 6.61% | 2.25% |
| Q4 2024 | 5.37% | 2.78% | 3.22% | 6.69% | 2.23% |
| Q1 2025 | 5.40% | 2.60% | 3.30% | 6.64% | 2.29% |
| Q2 2025 | 5.68% | 2.48% | 3.61% | 6.89% | 2.43% |
| Q3 2025 | 5.72% | 2.45% | 3.72% | 6.99% | 2.45% |
| Q4 2025 | 5.76% | 2.32% | 3.79% | 6.99% | 2.43% |
| Q1 2026 | 5.75% | 2.29% | 3.90% | 6.79% | 2.50% |
| Q2 2026 | 5.95% | 2.27% | 4.09% | 6.90% | 2.77% |
United Security 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 United Security 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 United Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1427) · FFIEC NIC profile (RSSD 630340)