Elk 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.
In Q2 2026, Cost of borrowings edged up by 0.16 percentage points, from 3.88% to 4.04%, the largest move among the key lines here. Elk State Bank has the 16th lowest net interest margin of the 182 banks headquartered in Kansas, at 3.18% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Elk State Bank sits 0.77 points lower, at 3.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 6.81% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $684K |
| Interest expense on deposits | $501K |
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 | 4.39% | 2.03% | 2.43% | 5.92% | 2.60% |
| Q4 2023 | 4.62% | 2.17% | 2.51% | 6.07% | 2.75% |
| Q1 2024 | 4.81% | 2.24% | 2.59% | 6.37% | 3.03% |
| Q2 2024 | 4.89% | 2.48% | 2.50% | 6.50% | 3.03% |
| Q3 2024 | 5.02% | 2.78% | 2.37% | 6.81% | 2.80% |
| Q4 2024 | 5.04% | 2.59% | 2.56% | 6.77% | 2.93% |
| Q1 2025 | 5.20% | 2.36% | 2.88% | 6.86% | 3.04% |
| Q2 2025 | 5.32% | 2.31% | 3.03% | 7.07% | 3.05% |
| Q3 2025 | 5.32% | 2.39% | 3.00% | 6.98% | 3.05% |
| Q4 2025 | 5.32% | 2.28% | 3.05% | 6.91% | 3.00% |
| Q1 2026 | 5.38% | 2.18% | 3.23% | 6.85% | 3.02% |
| Q2 2026 | 5.28% | 2.12% | 3.18% | 6.81% | 3.04% |
Elk 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 Elk 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 Elk State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15259) · FFIEC NIC profile (RSSD 679451)