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.
Total interest expense rose 6.4% from Q1 2026 to Q2 2026, ending at $1.3M against $1.2M. It was the largest change among the key lines on this page. Within Kentucky, Farmers Bank is 98th of 119 on net interest margin, 3.41% as of Q2 2026, below the middle of the field. Farmers Bank reported 3.41% on net interest margin for Q2 2026, 0.54 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.77% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.3M |
| 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 | 4.29% | 1.61% | 2.80% | 5.56% | 1.41% |
| Q4 2023 | 4.37% | 1.78% | 2.69% | 5.75% | 1.41% |
| Q1 2024 | 4.62% | 1.81% | 2.90% | 5.88% | 1.50% |
| Q2 2024 | 4.72% | 1.89% | 2.94% | 6.01% | 1.57% |
| Q3 2024 | 5.05% | 2.06% | 3.08% | 6.49% | 1.60% |
| Q4 2024 | 4.95% | 2.07% | 3.02% | 6.27% | 1.41% |
| Q1 2025 | 5.14% | 1.98% | 3.31% | 6.35% | 1.42% |
| Q2 2025 | 5.29% | 1.98% | 3.46% | 6.50% | 1.57% |
| Q3 2025 | 5.43% | 2.02% | 3.57% | 6.59% | 1.68% |
| Q4 2025 | 5.48% | 1.99% | 3.63% | 6.71% | 1.68% |
| Q1 2026 | 5.33% | 2.04% | 3.44% | 6.59% | 1.71% |
| Q2 2026 | 5.36% | 2.10% | 3.41% | 6.77% | 1.92% |
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 14894) · FFIEC NIC profile (RSSD 485214)