Bank of Hays: 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 standout move of Q2 2026 was in Cost of borrowings: 1.19 percentage points lower than in Q1 2026, at 1.10%. Bank of Hays ranks 144th of 182 Kansas banks on net interest margin, in the lower half at 3.51% (Q2 2026). Bank of Hays reported 3.51% on net interest margin for Q2 2026, 0.44 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 6.70% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 1.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 4.11% | 1.76% | 2.46% | 5.88% | 1.87% |
| Q4 2023 | 4.36% | 1.84% | 2.63% | 6.20% | 1.93% |
| Q1 2024 | 4.49% | 1.90% | 2.72% | 6.26% | 1.97% |
| Q2 2024 | 4.64% | 2.01% | 2.75% | 6.43% | 2.07% |
| Q3 2024 | 4.77% | 2.04% | 2.86% | 6.59% | 1.97% |
| Q4 2024 | 4.86% | 2.01% | 3.02% | 6.58% | 2.29% |
| Q1 2025 | 4.99% | 1.92% | 3.19% | 6.63% | 2.47% |
| Q2 2025 | 5.05% | 1.92% | 3.26% | 6.65% | 2.73% |
| Q3 2025 | 5.38% | 1.94% | 3.58% | 6.89% | 3.09% |
| Q4 2025 | 5.02% | 1.92% | 3.25% | 6.78% | 2.83% |
| Q1 2026 | 5.13% | 1.76% | 3.49% | 6.67% | 3.08% |
| Q2 2026 | 5.14% | 1.75% | 3.51% | 6.70% | 3.19% |
Bank of Hays yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hays, 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 Bank of Hays profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17769) · FFIEC NIC profile (RSSD 746755)