The Baldwin 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.
In Q2 2026, Cost of borrowings edged down by 0.23 percentage points, from 1.29% to 1.06%, the largest move among the key lines here. On net interest margin, The Baldwin State Bank is 5th from the bottom among 182 Kansas banks, 3.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Baldwin State Bank sits 0.93 points lower, at 3.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.64% |
| Yield on securities | 3.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 1.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $678K |
| Total interest expense | $465K |
| Interest expense on deposits | $457K |
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 | 2.43% | 1.56% | 1.51% | 4.49% | 2.74% |
| Q4 2023 | 3.97% | 1.72% | 2.38% | 4.70% | 2.99% |
| Q1 2024 | 4.11% | 1.94% | 2.34% | 4.80% | 3.16% |
| Q2 2024 | 4.22% | 1.98% | 2.41% | 5.15% | 3.13% |
| Q3 2024 | 4.44% | 1.87% | 2.70% | 5.26% | 3.60% |
| Q4 2024 | 4.53% | 1.79% | 2.81% | 5.31% | 3.80% |
| Q1 2025 | 4.56% | 1.76% | 2.87% | 5.38% | 3.78% |
| Q2 2025 | 4.62% | 1.81% | 2.90% | 5.48% | 3.78% |
| Q3 2025 | 4.79% | 1.87% | 3.04% | 5.60% | 3.99% |
| Q4 2025 | 4.81% | 1.90% | 3.04% | 5.63% | 4.01% |
| Q1 2026 | 4.67% | 1.84% | 2.96% | 5.51% | 3.93% |
| Q2 2026 | 4.73% | 1.84% | 3.02% | 5.64% | 3.99% |
The Baldwin 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 The Baldwin 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 The Baldwin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10906) · FFIEC NIC profile (RSSD 997155)