Farmers and Drovers 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.16%. Farmers and Drovers Bank ranks 144th of 182 Kansas banks on net interest margin, in the lower half at 3.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers and Drovers Bank sits 0.44 points lower, at 3.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 6.62% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $864K |
| Interest expense on deposits | $654K |
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 | 4.00% | 1.84% | 2.65% | 5.48% | 2.23% |
| Q4 2023 | 4.16% | 2.00% | 2.69% | 5.68% | 2.31% |
| Q1 2024 | 4.38% | 2.07% | 2.84% | 5.88% | 2.29% |
| Q2 2024 | 4.51% | 2.24% | 2.85% | 6.07% | 2.31% |
| Q3 2024 | 4.50% | 2.15% | 2.93% | 6.08% | 2.44% |
| Q4 2024 | 4.64% | 2.11% | 3.10% | 6.28% | 2.50% |
| Q1 2025 | 4.65% | 2.00% | 3.17% | 6.21% | 2.49% |
| Q2 2025 | 4.76% | 2.00% | 3.29% | 6.35% | 2.61% |
| Q3 2025 | 4.83% | 2.08% | 3.31% | 6.44% | 2.76% |
| Q4 2025 | 4.97% | 2.07% | 3.47% | 6.59% | 2.80% |
| Q1 2026 | 5.02% | 2.06% | 3.50% | 6.53% | 2.80% |
| Q2 2026 | 5.06% | 2.11% | 3.51% | 6.62% | 2.79% |
Farmers and Drovers 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 Farmers and Drovers 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 Farmers and Drovers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12602) · FFIEC NIC profile (RSSD 788559)