West Plains Bank and Trust Company: 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.56 percentage points to 3.11%. Within Missouri, West Plains Bank and Trust Company is 128th of 192 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. West Plains Bank and Trust Company sits 0.15 points lower, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 6.96% |
| Yield on securities | 1.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 3.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.5M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.99% | 2.02% | 2.88% | 6.61% | 1.54% |
| Q4 2023 | 5.16% | 2.12% | 2.93% | 6.78% | 1.60% |
| Q1 2024 | 5.30% | 2.22% | 2.95% | 6.97% | 1.61% |
| Q2 2024 | 5.50% | 2.32% | 3.03% | 7.10% | 1.58% |
| Q3 2024 | 5.86% | 2.31% | 3.42% | 7.54% | 1.62% |
| Q4 2024 | 5.73% | 2.11% | 3.50% | 7.31% | 1.65% |
| Q1 2025 | 5.46% | 1.96% | 3.36% | 7.01% | 1.66% |
| Q2 2025 | 5.63% | 1.87% | 3.64% | 7.17% | 1.65% |
| Q3 2025 | 5.75% | 1.92% | 3.75% | 7.33% | 1.68% |
| Q4 2025 | 5.77% | 1.84% | 3.84% | 7.19% | 1.73% |
| Q1 2026 | 5.56% | 1.74% | 3.68% | 7.07% | 1.74% |
| Q2 2026 | 5.67% | 1.72% | 3.80% | 6.96% | 1.84% |
West Plains Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Bank and Trust Company, 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 West Plains Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15489) · FFIEC NIC profile (RSSD 317258)