Farmers Bank of Northern Missouri: 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 0.18 percentage points to 3.81%. Farmers Bank of Northern Missouri ranks 127th of 192 Missouri banks on net interest margin, in the lower half at 3.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers Bank of Northern Missouri sits 0.14 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 7.08% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.8M |
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 | 4.50% | 1.47% | 3.16% | 6.89% | 1.85% |
| Q4 2023 | 4.63% | 1.54% | 3.24% | 7.07% | 1.92% |
| Q1 2024 | 4.82% | 1.66% | 3.30% | 7.21% | 2.04% |
| Q2 2024 | 4.79% | 1.88% | 3.08% | 7.22% | 1.91% |
| Q3 2024 | 4.98% | 1.89% | 3.26% | 7.42% | 1.96% |
| Q4 2024 | 4.90% | 1.89% | 3.19% | 7.36% | 1.81% |
| Q1 2025 | 5.03% | 1.79% | 3.38% | 7.27% | 2.01% |
| Q2 2025 | 5.23% | 1.77% | 3.63% | 7.34% | 2.16% |
| Q3 2025 | 5.32% | 1.80% | 3.69% | 7.41% | 2.16% |
| Q4 2025 | 5.26% | 1.79% | 3.65% | 7.35% | 2.18% |
| Q1 2026 | 5.14% | 1.66% | 3.63% | 7.06% | 2.30% |
| Q2 2026 | 5.28% | 1.62% | 3.81% | 7.08% | 2.46% |
Farmers Bank of Northern Missouri 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 Northern Missouri, 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 Northern Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4539) · FFIEC NIC profile (RSSD 303952)