United State 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.
Total interest expense rose 3.4% from Q1 2026 to Q2 2026, ending at $1.4M against $1.3M. It was the largest change among the key lines on this page. Within Missouri, United State 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. United State Bank sits 0.48 points higher, at 4.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 7.07% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.90% | 2.10% | 3.88% | 6.32% | 2.42% |
| Q4 2023 | 6.09% | 2.35% | 3.80% | 6.50% | 2.35% |
| Q1 2024 | 6.12% | 2.49% | 3.68% | 6.55% | 2.32% |
| Q2 2024 | 6.43% | 2.72% | 3.81% | 6.87% | 2.43% |
| Q3 2024 | 6.53% | 2.79% | 3.88% | 6.99% | 2.48% |
| Q4 2024 | 6.60% | 2.62% | 4.08% | 7.13% | 2.43% |
| Q1 2025 | 6.44% | 2.36% | 4.17% | 7.07% | 2.49% |
| Q2 2025 | 6.59% | 2.39% | 4.34% | 7.31% | 2.90% |
| Q3 2025 | 6.67% | 2.41% | 4.40% | 7.41% | 2.88% |
| Q4 2025 | 6.75% | 2.23% | 4.61% | 7.45% | 3.06% |
| Q1 2026 | 6.44% | 2.03% | 4.50% | 7.10% | 3.07% |
| Q2 2026 | 6.41% | 2.17% | 4.43% | 7.07% | 3.01% |
United State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12214) · FFIEC NIC profile (RSSD 659556)