Verimore 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 0.14 percentage points in Q2 2026 to 4.43%, the biggest move on this page. Verimore Bank ranks 55th of 191 Missouri banks on net interest margin, in the upper half at 4.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Verimore Bank sits 0.49 points higher, at 4.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 6.80% |
| Yield on securities | 4.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 4.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.7M |
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 | 5.67% | 1.89% | 3.94% | 6.02% | 3.16% |
| Q4 2023 | 5.90% | 2.39% | 3.74% | 6.20% | 3.21% |
| Q1 2024 | 5.97% | 2.62% | 3.57% | 6.29% | 3.19% |
| Q2 2024 | 6.24% | 2.78% | 3.72% | 6.52% | 3.27% |
| Q3 2024 | 6.33% | 2.95% | 3.65% | 6.68% | 3.34% |
| Q4 2024 | 6.44% | 2.82% | 3.86% | 6.84% | 3.34% |
| Q1 2025 | 6.22% | 2.58% | 3.83% | 6.63% | 3.41% |
| Q2 2025 | 6.47% | 2.53% | 4.19% | 6.83% | 3.53% |
| Q3 2025 | 7.88% | 2.74% | 5.46% | 8.06% | 8.92% |
| Q4 2025 | 6.36% | 2.21% | 4.34% | 6.89% | 4.50% |
| Q1 2026 | 6.23% | 2.11% | 4.29% | 6.79% | 4.05% |
| Q2 2026 | 6.32% | 2.07% | 4.43% | 6.80% | 4.06% |
Verimore 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 Verimore 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 Verimore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28930) · FFIEC NIC profile (RSSD 710176)