The City 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 4.15%. Within Kansas, The City State Bank is 66th of 182 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. The City State Bank reported 4.15% on net interest margin for Q2 2026, 0.26 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.63% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $610K |
| Total interest expense | $170K |
| Interest expense on deposits | $169K |
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 | 4.03% | 0.84% | 3.27% | 4.94% | 2.00% |
| Q4 2023 | 4.28% | 0.93% | 3.42% | 5.23% | 1.97% |
| Q1 2024 | 4.42% | 0.90% | 3.58% | 5.43% | 1.99% |
| Q2 2024 | 4.52% | 1.10% | 3.53% | 5.51% | 1.94% |
| Q3 2024 | 4.55% | 1.31% | 3.39% | 5.64% | 1.79% |
| Q4 2024 | 5.01% | 1.36% | 3.75% | 6.37% | 1.79% |
| Q1 2025 | 5.04% | 1.29% | 3.80% | 6.22% | 2.06% |
| Q2 2025 | 5.14% | 1.27% | 3.90% | 6.44% | 1.97% |
| Q3 2025 | 5.26% | 1.35% | 3.95% | 6.63% | 1.82% |
| Q4 2025 | 5.52% | 1.40% | 4.15% | 6.82% | 2.01% |
| Q1 2026 | 5.33% | 1.30% | 4.06% | 6.54% | 1.98% |
| Q2 2026 | 5.37% | 1.25% | 4.15% | 6.63% | 1.99% |
The City 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 City 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 City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17607) · FFIEC NIC profile (RSSD 738657)