Carson 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 up by 0.15 percentage points, from 6.63% to 6.78%, the largest move among the key lines here. Within Kansas, Carson Bank is 58th of 182 on net interest margin, 4.21% as of Q2 2026. Carson Bank reported 4.21% on net interest margin for Q2 2026, 0.27 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.78% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $814K |
| 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 | 4.61% | 1.58% | 3.07% | 5.71% | 1.95% |
| Q4 2023 | 4.94% | 1.86% | 3.14% | 5.90% | 2.28% |
| Q1 2024 | 5.19% | 1.95% | 3.28% | 6.03% | 2.63% |
| Q2 2024 | 5.33% | 1.92% | 3.46% | 6.22% | 2.69% |
| Q3 2024 | 5.54% | 1.99% | 3.62% | 6.48% | 2.70% |
| Q4 2024 | 5.66% | 1.78% | 3.95% | 6.62% | 2.83% |
| Q1 2025 | 5.32% | 1.60% | 3.78% | 6.32% | 2.92% |
| Q2 2025 | 5.54% | 1.66% | 3.92% | 6.52% | 3.16% |
| Q3 2025 | 5.80% | 1.74% | 4.11% | 6.63% | 3.35% |
| Q4 2025 | 5.79% | 1.75% | 4.12% | 6.77% | 3.44% |
| Q1 2026 | 5.72% | 1.64% | 4.14% | 6.63% | 3.41% |
| Q2 2026 | 5.81% | 1.66% | 4.21% | 6.78% | 3.54% |
Carson 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 Carson 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 Carson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17369) · FFIEC NIC profile (RSSD 171656)