The Farmers Bank of Milton: 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.
In Q2 2026, Cost of borrowings edged down by 0.14 percentage points, from 4.04% to 3.90%, the largest move among the key lines here. The Farmers Bank of Milton has the 9th lowest net interest margin of the 119 banks headquartered in Kentucky, at 2.99% as of Q2 2026. The Farmers Bank of Milton reported 2.99% on net interest margin for Q2 2026, 0.96 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.99% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.6M |
| 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 |
|---|---|---|---|
| Q3 2023 | 4.64% | 2.04% | 2.77% |
| Q4 2023 | 4.76% | 2.32% | 2.62% |
| Q1 2024 | 4.64% | 2.38% | 2.43% |
| Q2 2024 | 4.73% | 2.54% | 2.41% |
| Q3 2024 | 4.80% | 2.58% | 2.40% |
| Q4 2024 | 4.87% | 2.47% | 2.61% |
| Q1 2025 | 4.87% | 2.32% | 2.72% |
| Q2 2025 | 4.92% | 2.33% | 2.77% |
| Q3 2025 | 5.00% | 2.35% | 2.84% |
| Q4 2025 | 5.09% | 2.27% | 3.01% |
| Q1 2026 | 4.96% | 2.19% | 2.94% |
| Q2 2026 | 5.00% | 2.20% | 2.99% |
The Farmers Bank of Milton yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Milton, 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 The Farmers Bank of Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12163) · FFIEC NIC profile (RSSD 265340)