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 standout move of Q2 2026 was in Net interest margin: 0.44 percentage points higher than in Q1 2026, at 5.56%. On net interest margin, Farmers Bank ranks 2nd highest among the 109 banks headquartered in Tennessee, at 5.56% (Q2 2026). Farmers Bank reported 5.56% on net interest margin for Q2 2026, 1.67 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.37% |
| Yield on loans | 8.93% |
| Yield on securities | 5.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.06% |
| Cost of interest-bearing deposits | 3.62% |
| Cost of interest-bearing liabilities | 3.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.56% |
| Yield to cost spread | 4.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $608K |
| Interest expense on deposits | $608K |
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 | 6.22% | 1.71% | 4.59% | 7.72% | 3.01% |
| Q4 2023 | 6.56% | 2.39% | 4.30% | 7.94% | 3.89% |
| Q1 2024 | 7.84% | 2.41% | 5.55% | 9.15% | 4.51% |
| Q2 2024 | 8.01% | 2.70% | 5.44% | 8.99% | 4.41% |
| Q3 2024 | 7.89% | 3.20% | 4.88% | 9.02% | 4.58% |
| Q4 2024 | 7.91% | 3.28% | 4.91% | 9.09% | 4.57% |
| Q1 2025 | 7.80% | 3.05% | 5.06% | 8.79% | 4.41% |
| Q2 2025 | 7.87% | 3.03% | 5.13% | 8.46% | 4.50% |
| Q3 2025 | 8.59% | 3.06% | 5.81% | 9.25% | 4.57% |
| Q4 2025 | 8.27% | 3.11% | 5.58% | 9.25% | 4.46% |
| Q1 2026 | 7.81% | 2.92% | 5.12% | 8.27% | 4.69% |
| Q2 2026 | 8.37% | 3.06% | 5.56% | 8.93% | 5.19% |
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 8661) · FFIEC NIC profile (RSSD 524757)