The Bank of Tescott: 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, Yield on securities edged up by 0.23 percentage points, from 2.99% to 3.22%, the largest move among the key lines here. The Bank of Tescott ranks 127th of 182 Kansas banks on net interest margin, in the lower half at 3.68% (Q2 2026). The Bank of Tescott reported 3.68% on net interest margin for Q2 2026, 0.27 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.65% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.3M |
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 | 4.69% | 1.93% | 3.05% | 5.56% | 2.13% |
| Q4 2023 | 4.90% | 2.31% | 2.93% | 5.74% | 2.25% |
| Q1 2024 | 5.14% | 2.42% | 3.05% | 6.03% | 2.38% |
| Q2 2024 | 5.25% | 2.54% | 3.07% | 6.16% | 2.36% |
| Q3 2024 | 5.45% | 2.67% | 3.17% | 6.43% | 2.46% |
| Q4 2024 | 5.49% | 2.81% | 3.08% | 6.50% | 2.54% |
| Q1 2025 | 5.55% | 2.76% | 3.15% | 6.50% | 2.66% |
| Q2 2025 | 5.65% | 2.67% | 3.24% | 6.60% | 2.46% |
| Q3 2025 | 5.96% | 2.68% | 3.53% | 6.78% | 2.91% |
| Q4 2025 | 5.82% | 2.58% | 3.50% | 6.67% | 2.89% |
| Q1 2026 | 5.82% | 2.38% | 3.65% | 6.74% | 2.99% |
| Q2 2026 | 5.79% | 2.34% | 3.68% | 6.65% | 3.22% |
The Bank of Tescott 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 Bank of Tescott, 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 Bank of Tescott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1868) · FFIEC NIC profile (RSSD 54058)