The Bennington 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.
The standout move of Q2 2026 was in Total interest expense: 13.2% higher than in Q1 2026, at $6.0M. The Bennington State Bank ranks 86th of 182 Kansas banks on net interest margin, in the upper half at 4.03% (Q2 2026). The Bennington State Bank reported 4.03% on net interest margin for Q2 2026, 0.32 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 6.98% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 2.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.6M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $5.6M |
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 | 4.75% | 1.78% | 2.92% | 5.79% | 2.01% |
| Q4 2023 | 4.90% | 1.86% | 3.00% | 5.93% | 2.08% |
| Q1 2024 | 4.92% | 1.85% | 3.03% | 6.04% | 2.13% |
| Q2 2024 | 5.06% | 1.86% | 3.14% | 6.17% | 2.30% |
| Q3 2024 | 5.11% | 1.92% | 3.15% | 6.24% | 2.39% |
| Q4 2024 | 5.05% | 1.77% | 3.29% | 6.11% | 2.50% |
| Q1 2025 | 5.47% | 1.72% | 3.68% | 6.60% | 2.61% |
| Q2 2025 | 5.75% | 1.71% | 3.96% | 6.92% | 2.72% |
| Q3 2025 | 5.85% | 1.78% | 4.00% | 7.07% | 2.80% |
| Q4 2025 | 5.74% | 1.74% | 3.94% | 6.92% | 2.93% |
| Q1 2026 | 5.67% | 1.68% | 3.93% | 6.77% | 3.05% |
| Q2 2026 | 5.76% | 1.67% | 4.03% | 6.98% | 3.33% |
The Bennington 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 Bennington 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 Bennington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16402) · FFIEC NIC profile (RSSD 1016259)