Wood & Huston 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 0.23 percentage points in Q2 2026 to 3.95%, the biggest move on this page. Within Missouri, Wood & Huston Bank is 111th of 192 on net interest margin, 3.95% as of Q2 2026, below the middle of the field. Wood & Huston Bank reported 3.95% on net interest margin for Q2 2026, 0.24 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.3M |
| Total interest expense | $6.1M |
| Interest expense on deposits | $6.1M |
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 |
|---|---|---|---|
| Q3 2023 | 5.29% | 2.45% | 2.73% |
| Q4 2023 | 5.50% | 2.63% | 2.75% |
| Q1 2024 | 5.65% | 2.74% | 2.76% |
| Q2 2024 | 5.87% | 2.73% | 3.03% |
| Q3 2024 | 6.10% | 2.78% | 3.21% |
| Q4 2024 | 5.96% | 2.51% | 3.23% |
| Q1 2025 | 5.85% | 2.81% | 3.24% |
| Q2 2025 | 6.01% | 2.67% | 3.55% |
| Q3 2025 | 6.25% | 2.58% | 3.87% |
| Q4 2025 | 6.10% | 2.44% | 3.86% |
| Q1 2026 | 5.85% | 2.29% | 3.72% |
| Q2 2026 | 6.01% | 2.25% | 3.95% |
Wood & Huston 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 Wood & Huston 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 Wood & Huston Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1060) · FFIEC NIC profile (RSSD 671558)