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.
Compared with Q1 2026, Net interest margin rose 0.34 percentage points in Q2 2026 to 4.34%, the biggest move on this page. Within Idaho, Farmers Bank is 5th of 10 on net interest margin, 4.34% as of Q2 2026, above the middle of the field. Farmers Bank reported 4.34% on net interest margin for Q2 2026, 0.39 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 7.16% |
| Yield on securities | 1.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 3.69% | 0.90% | 2.90% | 6.31% | 1.09% |
| Q4 2023 | 3.82% | 1.66% | 2.36% | 6.42% | 1.06% |
| Q1 2024 | 3.96% | 0.95% | 3.11% | 6.63% | 1.04% |
| Q2 2024 | 4.01% | 2.03% | 2.22% | 6.55% | 1.04% |
| Q3 2024 | 4.22% | 1.71% | 2.72% | 6.72% | 1.07% |
| Q4 2024 | 5.60% | 1.36% | 4.43% | 8.91% | 1.09% |
| Q1 2025 | 4.64% | 1.17% | 3.61% | 6.97% | 1.10% |
| Q2 2025 | 4.79% | 1.23% | 3.73% | 7.05% | 1.06% |
| Q3 2025 | 5.03% | 1.32% | 3.92% | 7.11% | 1.05% |
| Q4 2025 | 5.07% | 1.22% | 4.03% | 7.08% | 1.07% |
| Q1 2026 | 5.02% | 1.19% | 4.00% | 6.94% | 1.45% |
| Q2 2026 | 5.37% | 1.20% | 4.34% | 7.16% | 1.57% |
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 2850) · FFIEC NIC profile (RSSD 307062)