Farmers 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: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.76%. Farmers Bank ranks 43rd of 63 Colorado banks on net interest margin, in the lower half at 3.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 6.88% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.43% | 2.03% | 3.60% | 7.07% | 2.88% |
| Q4 2023 | 5.38% | 1.93% | 3.67% | 7.03% | 2.88% |
| Q1 2024 | 5.62% | 1.95% | 3.87% | 7.18% | 2.88% |
| Q2 2024 | 5.67% | 2.18% | 3.75% | 7.56% | 2.88% |
| Q3 2024 | 5.85% | 2.22% | 3.86% | 7.61% | 2.87% |
| Q4 2024 | 5.53% | 2.00% | 3.77% | 7.27% | 2.76% |
| Q1 2025 | 5.38% | 1.83% | 3.76% | 7.23% | 3.03% |
| Q2 2025 | 5.76% | 1.83% | 4.12% | 7.47% | 3.17% |
| Q3 2025 | 5.38% | 1.91% | 3.68% | 6.91% | 3.17% |
| Q4 2025 | 5.36% | 1.82% | 3.75% | 6.96% | 3.17% |
| Q1 2026 | 5.18% | 1.69% | 3.68% | 6.80% | 3.10% |
| Q2 2026 | 5.23% | 1.66% | 3.76% | 6.88% | 3.18% |
Farmers 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57335) · FFIEC NIC profile (RSSD 3020447)