The Denison 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 2.9% to $1.6M. The Denison State Bank ranks 60th of 182 Kansas banks on net interest margin, in the upper half at 4.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. The Denison State Bank sits 0.23 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 7.05% |
| Yield on securities | 2.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 2.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 4.67% | 1.55% | 3.29% | 6.34% | 1.65% |
| Q4 2023 | 4.82% | 1.75% | 3.28% | 6.44% | 1.60% |
| Q1 2024 | 4.94% | 1.83% | 3.31% | 6.60% | 1.65% |
| Q2 2024 | 5.16% | 1.82% | 3.44% | 6.84% | 1.71% |
| Q3 2024 | 5.35% | 2.04% | 3.53% | 7.10% | 1.69% |
| Q4 2024 | 5.40% | 2.06% | 3.58% | 7.08% | 1.76% |
| Q1 2025 | 5.40% | 1.87% | 3.72% | 7.00% | 1.96% |
| Q2 2025 | 5.41% | 1.82% | 3.80% | 6.91% | 2.15% |
| Q3 2025 | 5.61% | 1.84% | 3.99% | 7.20% | 2.15% |
| Q4 2025 | 5.66% | 1.83% | 4.07% | 7.17% | 2.17% |
| Q1 2026 | 5.72% | 1.67% | 4.24% | 7.21% | 2.17% |
| Q2 2026 | 5.62% | 1.64% | 4.17% | 7.05% | 2.24% |
The Denison 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 Denison 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 Denison State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15305) · FFIEC NIC profile (RSSD 869551)