The 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, Yield on loans edged down by 0.20 percentage points, from 7.16% to 6.96%, the largest move among the key lines here. Within Kansas, The Bank is 36th of 182 on net interest margin, 4.50% as of Q2 2026, above the middle of the field. The Bank 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 | 5.79% |
| Yield on loans | 6.96% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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% | 1.18% | 3.89% | 7.08% | 2.35% |
| Q4 2023 | 5.47% | 1.28% | 4.09% | 7.23% | 2.50% |
| Q1 2024 | 5.49% | 1.36% | 4.03% | 7.39% | 2.56% |
| Q2 2024 | 5.03% | 1.41% | 3.54% | 6.25% | 2.58% |
| Q3 2024 | 5.78% | 1.50% | 4.20% | 7.60% | 2.68% |
| Q4 2024 | 5.60% | 1.60% | 4.17% | 7.03% | 2.90% |
| Q1 2025 | 6.15% | 1.43% | 4.87% | 7.80% | 3.22% |
| Q2 2025 | 6.32% | 1.41% | 4.99% | 7.74% | 3.21% |
| Q3 2025 | 6.49% | 1.48% | 5.12% | 8.06% | 3.28% |
| Q4 2025 | 5.98% | 1.44% | 4.64% | 7.10% | 3.50% |
| Q1 2026 | 5.80% | 1.42% | 4.48% | 7.16% | 3.65% |
| Q2 2026 | 5.79% | 1.41% | 4.50% | 6.96% | 3.72% |
The 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26522) · FFIEC NIC profile (RSSD 333650)