Andover 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.87%. Within Kansas, Andover State Bank is 104th of 182 on net interest margin, 3.87% as of Q2 2026, below the middle of the field. At 3.87%, Andover State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.40% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 3.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.49% | 2.01% | 3.55% | 5.70% | 1.97% |
| Q4 2023 | 5.77% | 2.32% | 3.54% | 6.00% | 2.04% |
| Q1 2024 | 5.90% | 2.49% | 3.50% | 6.13% | 2.06% |
| Q2 2024 | 6.08% | 2.80% | 3.40% | 6.31% | 2.11% |
| Q3 2024 | 6.13% | 2.90% | 3.37% | 6.40% | 2.09% |
| Q4 2024 | 6.09% | 2.68% | 3.55% | 6.38% | 2.46% |
| Q1 2025 | 6.04% | 2.42% | 3.75% | 6.33% | 2.64% |
| Q2 2025 | 6.25% | 2.34% | 4.04% | 6.53% | 2.75% |
| Q3 2025 | 6.32% | 2.41% | 4.04% | 6.70% | 3.03% |
| Q4 2025 | 6.18% | 2.30% | 4.01% | 6.52% | 3.17% |
| Q1 2026 | 5.79% | 2.24% | 3.69% | 6.31% | 2.60% |
| Q2 2026 | 5.95% | 2.24% | 3.87% | 6.40% | 2.68% |
Andover 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 Andover 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 Andover State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16410) · FFIEC NIC profile (RSSD 225054)