Exchange Bank & Trust: 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, Net interest margin edged up by 0.12 percentage points, from 4.01% to 4.13%, the largest move among the key lines here. Within Kansas, Exchange Bank & Trust is 69th of 182 on net interest margin, 4.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Exchange Bank & Trust sits 0.19 points higher, at 4.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 6.80% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 1.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.42% | 0.94% | 3.44% | 5.54% | 1.43% |
| Q4 2023 | 4.67% | 1.11% | 3.51% | 5.82% | 1.47% |
| Q1 2024 | 4.85% | 1.22% | 3.60% | 6.05% | 1.49% |
| Q2 2024 | 5.06% | 1.28% | 3.75% | 6.16% | 1.67% |
| Q3 2024 | 5.30% | 1.37% | 3.92% | 6.49% | 1.74% |
| Q4 2024 | 5.40% | 1.29% | 4.01% | 6.60% | 1.96% |
| Q1 2025 | 5.33% | 1.39% | 3.88% | 6.60% | 2.34% |
| Q2 2025 | 5.50% | 1.43% | 4.02% | 6.73% | 2.56% |
| Q3 2025 | 5.59% | 1.44% | 4.13% | 6.85% | 2.73% |
| Q4 2025 | 5.56% | 1.36% | 4.18% | 6.90% | 2.94% |
| Q1 2026 | 5.33% | 1.29% | 4.01% | 6.80% | 3.10% |
| Q2 2026 | 5.44% | 1.29% | 4.13% | 6.80% | 3.33% |
Exchange Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank & Trust, 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 Exchange Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4619) · FFIEC NIC profile (RSSD 144052)