Farmers and Merchants Bank of Mound City, Kansas: 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, Yield on securities edged up by 0.17 percentage points, from 3.54% to 3.71%, the largest move among the key lines here. Within Kansas, Farmers and Merchants Bank of Mound City, Kansas is 147th of 182 on net interest margin, 3.45% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank of Mound City, Kansas reported 3.45% on net interest margin for Q2 2026, 0.44 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.53% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $606K |
| Total interest expense | $300K |
| Interest expense on deposits | $291K |
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 | 5.10% | 1.30% | 3.84% | 5.71% | 2.06% |
| Q4 2023 | 5.07% | 1.47% | 3.71% | 5.90% | 2.09% |
| Q1 2024 | 5.22% | 1.81% | 3.50% | 5.97% | 2.51% |
| Q2 2024 | 5.41% | 1.94% | 3.62% | 6.07% | 2.79% |
| Q3 2024 | 5.58% | 1.99% | 3.71% | 6.23% | 3.47% |
| Q4 2024 | 5.60% | 2.07% | 3.72% | 6.33% | 3.67% |
| Q1 2025 | 5.45% | 1.93% | 3.64% | 6.21% | 3.68% |
| Q2 2025 | 5.59% | 2.10% | 3.65% | 6.45% | 3.90% |
| Q3 2025 | 5.73% | 2.15% | 3.69% | 6.56% | 3.81% |
| Q4 2025 | 5.55% | 2.06% | 3.62% | 6.48% | 3.63% |
| Q1 2026 | 5.34% | 1.90% | 3.53% | 6.45% | 3.54% |
| Q2 2026 | 5.27% | 1.93% | 3.45% | 6.53% | 3.71% |
Farmers and Merchants Bank of Mound City, Kansas 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 of Mound City, Kansas, 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 of Mound City, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14024) · FFIEC NIC profile (RSSD 274052)