Bank of the Plains: 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 0.19 percentage points in Q2 2026 to 4.50%, the biggest move on this page. Bank of the Plains ranks 36th of 182 Kansas banks on net interest margin, in the upper half at 4.50% (Q2 2026). Bank of the Plains reported 4.50% on net interest margin for Q2 2026, 0.55 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 6.93% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 5.16% | 1.34% | 3.88% | 5.94% | 3.94% |
| Q4 2023 | 5.50% | 1.53% | 4.02% | 6.24% | 3.99% |
| Q1 2024 | 5.65% | 1.67% | 4.03% | 6.38% | 4.01% |
| Q2 2024 | 5.85% | 1.72% | 4.19% | 6.64% | 3.78% |
| Q3 2024 | 5.92% | 1.85% | 4.14% | 6.69% | 3.78% |
| Q4 2024 | 6.08% | 1.80% | 4.36% | 6.79% | 3.74% |
| Q1 2025 | 5.98% | 2.03% | 4.04% | 6.66% | 3.71% |
| Q2 2025 | 6.06% | 2.04% | 4.11% | 6.80% | 3.71% |
| Q3 2025 | 6.06% | 2.05% | 4.11% | 6.82% | 3.90% |
| Q4 2025 | 6.19% | 1.92% | 4.35% | 6.85% | 3.99% |
| Q1 2026 | 5.99% | 1.74% | 4.31% | 6.80% | 4.00% |
| Q2 2026 | 6.19% | 1.74% | 4.50% | 6.93% | 3.91% |
Bank of the Plains 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 Plains, 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 Plains profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18118) · FFIEC NIC profile (RSSD 302553)