Bison 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 Net interest margin: 0.53 percentage points higher than in Q1 2026, at 4.33%. Within Kansas, Bison State Bank is 50th of 182 on net interest margin, 4.33% as of Q2 2026. Bison State Bank reported 4.33% on net interest margin for Q2 2026, 0.39 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.32% |
| Yield on loans | 7.78% |
| Yield on securities | 4.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.21% |
| Cost of interest-bearing deposits | 3.94% |
| Cost of interest-bearing liabilities | 3.45% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $870K |
| Interest expense on deposits | $797K |
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 | 7.09% | 4.05% | 3.74% | 7.35% | 2.83% |
| Q4 2023 | 8.49% | 3.76% | 5.39% | 8.93% | 2.83% |
| Q1 2024 | 6.90% | 3.12% | 4.19% | 7.19% | 2.84% |
| Q2 2024 | 7.37% | 2.84% | 4.70% | 7.65% | 4.04% |
| Q3 2024 | 6.97% | 2.97% | 4.12% | 7.16% | 4.35% |
| Q4 2024 | 6.59% | 2.63% | 4.12% | 6.98% | 4.30% |
| Q1 2025 | 6.52% | 2.62% | 3.88% | 6.90% | 4.48% |
| Q2 2025 | 6.81% | 2.79% | 4.14% | 7.22% | 4.31% |
| Q3 2025 | 7.65% | 3.19% | 4.70% | 7.96% | 4.38% |
| Q4 2025 | 7.14% | 3.86% | 3.85% | 7.48% | 4.32% |
| Q1 2026 | 6.74% | 3.17% | 3.80% | 7.35% | 4.32% |
| Q2 2026 | 7.32% | 3.21% | 4.33% | 7.78% | 4.47% |
Bison 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 Bison 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 Bison State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14083) · FFIEC NIC profile (RSSD 354)