Farmers Bank of Lohman: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.07%. On net interest margin, Farmers Bank of Lohman is 13th from the bottom among 192 Missouri banks, 3.07% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Farmers Bank of Lohman sits 0.82 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.05% |
| Yield on loans | 6.20% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $378K |
| Total interest expense | $196K |
| Interest expense on deposits | $196K |
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 | 3.28% | 0.81% | 2.56% | 5.33% | 2.06% |
| Q4 2023 | 3.37% | 0.98% | 2.50% | 5.48% | 2.07% |
| Q1 2024 | 3.48% | 1.12% | 2.48% | 5.66% | 2.14% |
| Q2 2024 | 3.66% | 1.18% | 2.61% | 5.79% | 2.29% |
| Q3 2024 | 3.74% | 1.23% | 2.65% | 5.88% | 2.40% |
| Q4 2024 | 3.71% | 1.28% | 2.59% | 5.90% | 2.49% |
| Q1 2025 | 3.76% | 1.31% | 2.61% | 5.94% | 2.61% |
| Q2 2025 | 3.92% | 1.26% | 2.82% | 6.13% | 2.72% |
| Q3 2025 | 4.00% | 1.23% | 2.91% | 6.17% | 2.81% |
| Q4 2025 | 4.07% | 1.26% | 2.97% | 6.27% | 2.96% |
| Q1 2026 | 4.04% | 1.20% | 2.98% | 6.13% | 2.99% |
| Q2 2026 | 4.05% | 1.13% | 3.07% | 6.20% | 3.05% |
Farmers Bank of Lohman 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 of Lohman, 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 of Lohman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8268) · FFIEC NIC profile (RSSD 743950)