Bank of the Flint Hills: 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 0.27 percentage points in Q2 2026 to 4.21%, the biggest move on this page. Within Kansas, Bank of the Flint Hills is 58th of 182 on net interest margin, 4.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of the Flint Hills sits 0.26 points higher, at 4.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | 6.73% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.4M |
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 | 5.26% | 1.95% | 3.38% | 5.81% | 2.06% |
| Q4 2023 | 5.48% | 2.05% | 3.52% | 6.01% | 2.20% |
| Q1 2024 | 5.72% | 2.10% | 3.73% | 6.30% | 2.33% |
| Q2 2024 | 5.92% | 2.23% | 3.83% | 6.46% | 2.63% |
| Q3 2024 | 6.00% | 2.31% | 3.86% | 6.59% | 2.79% |
| Q4 2024 | 6.00% | 2.30% | 3.87% | 6.58% | 3.03% |
| Q1 2025 | 5.94% | 2.22% | 3.85% | 6.49% | 3.17% |
| Q2 2025 | 6.12% | 2.28% | 4.00% | 6.66% | 3.19% |
| Q3 2025 | 6.30% | 2.43% | 4.11% | 6.86% | 3.16% |
| Q4 2025 | 6.26% | 2.40% | 4.11% | 6.83% | 3.16% |
| Q1 2026 | 5.98% | 2.25% | 3.94% | 6.56% | 3.09% |
| Q2 2026 | 6.21% | 2.20% | 4.21% | 6.73% | 3.37% |
Bank of the Flint Hills 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 the Flint Hills, 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 the Flint Hills profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4791) · FFIEC NIC profile (RSSD 552059)