The Baxter State 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.
Compared with Q1 2026, Yield on loans rose 0.68 percentage points in Q2 2026 to 8.34%, the biggest move on this page. Among 182 Kansas banks, The Baxter State Bank sits 2nd from the top on net interest margin, 5.89% as of Q2 2026. The Baxter State Bank's net interest margin of 5.89% is well above the 3.88% median for banks in the < $100M asset tier, a gap of 2.01 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | 8.34% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.36% |
| Cost of interest-bearing deposits | 0.70% |
| Cost of interest-bearing liabilities | 0.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.89% |
| Yield to cost spread | 5.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $254K |
| Total interest expense | $18K |
| Interest expense on deposits | $18K |
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 | 4.63% | 0.40% | 4.29% | 7.12% | 1.13% |
| Q4 2023 | 5.07% | 0.60% | 4.56% | 7.36% | 1.27% |
| Q1 2024 | 5.09% | 0.58% | 4.59% | 7.19% | 1.22% |
| Q2 2024 | 5.43% | 0.97% | 4.61% | 7.56% | 1.15% |
| Q3 2024 | 5.61% | 0.67% | 5.03% | 7.60% | 1.28% |
| Q4 2024 | 6.50% | 0.72% | 5.84% | 7.99% | 1.86% |
| Q1 2025 | 5.62% | 0.51% | 5.19% | 7.36% | 2.19% |
| Q2 2025 | 5.89% | 0.43% | 5.52% | 7.74% | 2.27% |
| Q3 2025 | 5.98% | 0.52% | 5.53% | 7.56% | 2.47% |
| Q4 2025 | 6.09% | 0.33% | 5.81% | 7.68% | 3.09% |
| Q1 2026 | 5.92% | 0.32% | 5.66% | 7.66% | 3.35% |
| Q2 2026 | 6.21% | 0.36% | 5.89% | 8.34% | 3.51% |
The Baxter State 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 Baxter State 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 Baxter State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12432) · FFIEC NIC profile (RSSD 1000856)