The Fairmount 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 Yield on loans, which fell 0.46 percentage points to 5.90%. Within Indiana, The Fairmount State Bank is 14th of 87 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Fairmount State Bank sits 0.35 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $660K |
| Total interest expense | $142K |
| Interest expense on deposits | $141K |
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 |
|---|---|---|---|
| Q3 2023 | 4.79% | 0.95% | 3.88% |
| Q4 2023 | 4.81% | 1.28% | 3.63% |
| Q1 2024 | 4.86% | 1.24% | 3.67% |
| Q2 2024 | 5.03% | 1.13% | 3.89% |
| Q3 2024 | 5.09% | 0.96% | 4.14% |
| Q4 2024 | 5.01% | 1.26% | 3.78% |
| Q1 2025 | 5.22% | 1.17% | 4.06% |
| Q2 2025 | 5.41% | 1.19% | 4.23% |
| Q3 2025 | 5.62% | 1.32% | 4.35% |
| Q4 2025 | 5.39% | 1.61% | 4.10% |
| Q1 2026 | 5.51% | 1.32% | 4.36% |
| Q2 2026 | 5.23% | 1.13% | 4.23% |
The Fairmount 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 Fairmount 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 Fairmount State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1829) · FFIEC NIC profile (RSSD 503547)