Farmers Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.15 percentage points to 3.99%. Farmers Bank and Trust Company ranks 59th of 119 Kentucky banks on net interest margin, in the upper half at 3.99% (Q2 2026). At 3.99%, Farmers Bank and Trust Company's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | 6.52% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $995K |
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 | 4.59% | 1.39% | 3.26% | 5.76% | 2.07% |
| Q4 2023 | 4.89% | 1.95% | 3.12% | 6.06% | 2.11% |
| Q1 2024 | 5.04% | 2.10% | 3.16% | 6.10% | 2.36% |
| Q2 2024 | 5.25% | 2.27% | 3.23% | 6.27% | 2.60% |
| Q3 2024 | 5.44% | 2.36% | 3.32% | 6.44% | 2.66% |
| Q4 2024 | 5.58% | 2.22% | 3.57% | 6.56% | 2.60% |
| Q1 2025 | 5.41% | 2.23% | 3.40% | 6.24% | 2.61% |
| Q2 2025 | 5.63% | 2.06% | 3.69% | 6.47% | 2.65% |
| Q3 2025 | 5.73% | 2.12% | 3.75% | 6.54% | 2.62% |
| Q4 2025 | 5.83% | 2.02% | 3.92% | 6.57% | 2.71% |
| Q1 2026 | 5.68% | 2.00% | 3.84% | 6.41% | 2.69% |
| Q2 2026 | 5.80% | 1.96% | 3.99% | 6.52% | 2.86% |
Farmers Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2765) · FFIEC NIC profile (RSSD 46941)