Farmers and Merchants 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.
Compared with Q1 2026, Total interest expense rose 4.6% in Q2 2026 to $1.6M, the biggest move on this page. Within Nebraska, Farmers and Merchants Bank is 116th of 138 on net interest margin, 3.30% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers and Merchants Bank sits 0.65 points lower, at 3.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 6.67% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.29% |
| Cost of interest-bearing deposits | 3.60% |
| Cost of interest-bearing liabilities | 3.58% |
| Cost of borrowings | 3.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.3M |
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 | 6.37% | 2.34% | 4.25% | 6.53% | 0.00% |
| Q4 2023 | 6.50% | 2.53% | 4.21% | 6.70% | 0.00% |
| Q1 2024 | 6.43% | 2.63% | 4.06% | 6.70% | 0.00% |
| Q2 2024 | 6.51% | 2.70% | 3.87% | 6.71% | 0.00% |
| Q3 2024 | 6.68% | 3.26% | 3.74% | 6.94% | 0.00% |
| Q4 2024 | 6.49% | 3.28% | 3.54% | 6.77% | 0.00% |
| Q1 2025 | 6.20% | 3.25% | 3.27% | 6.53% | 0.00% |
| Q2 2025 | 6.39% | 3.35% | 3.36% | 6.65% | 0.00% |
| Q3 2025 | 6.62% | 3.36% | 3.57% | 6.99% | 0.00% |
| Q4 2025 | 6.59% | 3.31% | 3.57% | 6.78% | 0.00% |
| Q1 2026 | 6.25% | 3.22% | 3.29% | 6.59% | 0.00% |
| Q2 2026 | 6.28% | 3.29% | 3.30% | 6.67% | 0.00% |
Farmers and Merchants 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 Merchants 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 Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14275) · FFIEC NIC profile (RSSD 516154)