West Plains Savings and Loan Association: 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 2.99% to 3.11%, the largest move among the key lines here. West Plains Savings and Loan Association has the 16th lowest net interest margin of the 192 banks headquartered in Missouri, at 3.11% as of Q2 2026. West Plains Savings and Loan Association reported 3.11% on net interest margin for Q2 2026, 0.84 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 5.80% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.11% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $521K |
| Interest expense on deposits | $501K |
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 | 4.60% | 2.64% | 2.60% | 5.12% | 1.50% |
| Q4 2023 | 4.68% | 2.95% | 2.41% | 5.18% | 1.55% |
| Q1 2024 | 4.73% | 3.28% | 2.23% | 5.21% | 1.51% |
| Q2 2024 | 5.10% | 3.35% | 2.52% | 5.64% | 1.57% |
| Q3 2024 | 5.00% | 3.37% | 2.40% | 5.46% | 1.84% |
| Q4 2024 | 4.96% | 3.34% | 2.39% | 5.46% | 1.74% |
| Q1 2025 | 4.97% | 3.10% | 2.59% | 5.44% | 2.02% |
| Q2 2025 | 5.21% | 3.12% | 2.77% | 5.70% | 2.14% |
| Q3 2025 | 5.26% | 3.14% | 2.80% | 5.76% | 2.50% |
| Q4 2025 | 5.30% | 2.95% | 2.97% | 5.78% | 2.74% |
| Q1 2026 | 5.20% | 2.77% | 2.99% | 5.67% | 2.79% |
| Q2 2026 | 5.32% | 2.74% | 3.11% | 5.80% | 3.01% |
West Plains Savings and Loan Association 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 Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31329) · FFIEC NIC profile (RSSD 966973)