Exchange 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.
Yield on securities rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 2.60% against 2.27%. It was the largest change among the key lines on this page. Exchange State Bank ranks 39th of 182 Kansas banks on net interest margin, in the upper half at 4.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Exchange State Bank sits 0.53 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 7.51% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 3.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $406K |
| Interest expense on deposits | $374K |
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 | 4.65% | 1.32% | 3.48% | 6.71% | 1.59% |
| Q4 2023 | 4.86% | 1.57% | 3.46% | 6.93% | 1.59% |
| Q1 2024 | 5.01% | 1.78% | 3.40% | 7.14% | 1.65% |
| Q2 2024 | 5.18% | 2.10% | 3.33% | 7.40% | 1.68% |
| Q3 2024 | 5.36% | 2.18% | 3.40% | 7.35% | 1.73% |
| Q4 2024 | 5.41% | 2.02% | 3.55% | 7.68% | 1.69% |
| Q1 2025 | 5.47% | 1.98% | 3.63% | 7.45% | 1.80% |
| Q2 2025 | 5.62% | 2.11% | 3.71% | 7.50% | 1.88% |
| Q3 2025 | 5.79% | 2.10% | 3.93% | 7.48% | 2.18% |
| Q4 2025 | 5.94% | 1.92% | 4.24% | 7.76% | 2.25% |
| Q1 2026 | 5.94% | 1.75% | 4.32% | 7.52% | 2.27% |
| Q2 2026 | 6.08% | 1.76% | 4.47% | 7.51% | 2.60% |
Exchange 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 Exchange 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 Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14556) · FFIEC NIC profile (RSSD 534859)