Bendena 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.
Cost of borrowings dropped 1.99 percentage points in Q2 2026, from 5.67% to 3.68%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Bendena State Bank is 72nd of 182 on net interest margin, 4.10% as of Q2 2026. Bendena State Bank reported 4.10% on net interest margin for Q2 2026, 0.16 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.91% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $476K |
| Interest expense on deposits | $451K |
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 | 4.46% | 1.23% | 3.28% | 5.76% | 2.49% |
| Q4 2023 | 4.73% | 1.37% | 3.43% | 5.98% | 2.59% |
| Q1 2024 | 4.83% | 1.42% | 3.48% | 6.12% | 2.55% |
| Q2 2024 | 5.06% | 1.79% | 3.34% | 6.38% | 2.57% |
| Q3 2024 | 5.22% | 1.99% | 3.33% | 6.61% | 2.56% |
| Q4 2024 | 5.36% | 1.90% | 3.57% | 6.76% | 2.60% |
| Q1 2025 | 5.35% | 1.64% | 3.81% | 6.72% | 2.64% |
| Q2 2025 | 5.48% | 1.59% | 3.98% | 6.86% | 2.73% |
| Q3 2025 | 5.62% | 1.67% | 4.08% | 6.98% | 2.76% |
| Q4 2025 | 5.42% | 1.66% | 3.89% | 6.74% | 2.60% |
| Q1 2026 | 5.58% | 1.59% | 4.10% | 7.06% | 2.49% |
| Q2 2026 | 5.60% | 1.67% | 4.10% | 6.91% | 2.74% |
Bendena 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 Bendena 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 Bendena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17410) · FFIEC NIC profile (RSSD 1008151)