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.
Net interest margin rose 0.13 percentage points from Q1 2026 to Q2 2026, ending at 4.20% against 4.07%. It was the largest change among the key lines on this page. Farmers Bank ranks 30th of 78 Arkansas banks on net interest margin, in the upper half at 4.20% (Q2 2026). Farmers Bank reported 4.20% on net interest margin for Q2 2026, 0.25 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| 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 | 4.20% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $775K |
| Interest expense on deposits | $775K |
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 |
|---|---|---|---|
| Q3 2023 | 4.75% | 1.33% | 3.46% |
| Q4 2023 | 4.99% | 1.53% | 3.52% |
| Q1 2024 | 5.00% | 1.65% | 3.43% |
| Q2 2024 | 5.13% | 1.77% | 3.45% |
| Q3 2024 | 5.24% | 1.88% | 3.48% |
| Q4 2024 | 5.28% | 1.76% | 3.61% |
| Q1 2025 | 5.27% | 1.65% | 3.68% |
| Q2 2025 | 5.20% | 1.59% | 3.69% |
| Q3 2025 | 5.42% | 1.58% | 3.89% |
| Q4 2025 | 5.35% | 1.51% | 3.93% |
| Q1 2026 | 5.34% | 1.34% | 4.07% |
| Q2 2026 | 5.39% | 1.26% | 4.20% |
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 1296) · FFIEC NIC profile (RSSD 325141)