The Farmers Bank of Willards: 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 4.47%. Within Maryland, The Farmers Bank of Willards is 6th of 27 on net interest margin, 4.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Farmers Bank of Willards sits 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.39% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.02% | 1.28% | 3.84% | 6.09% | 2.39% |
| Q4 2023 | 5.27% | 1.49% | 3.88% | 6.29% | 2.55% |
| Q1 2024 | 5.26% | 1.57% | 3.79% | 6.24% | 2.55% |
| Q2 2024 | 5.30% | 1.58% | 3.82% | 6.31% | 2.62% |
| Q3 2024 | 5.48% | 1.63% | 3.98% | 6.43% | 3.01% |
| Q4 2024 | 5.44% | 1.72% | 3.86% | 6.41% | 3.09% |
| Q1 2025 | 5.34% | 1.56% | 3.90% | 6.29% | 2.89% |
| Q2 2025 | 5.53% | 1.47% | 4.17% | 6.45% | 2.99% |
| Q3 2025 | 5.59% | 1.42% | 4.30% | 6.51% | 2.99% |
| Q4 2025 | 5.55% | 1.35% | 4.32% | 6.48% | 2.95% |
| Q1 2026 | 5.49% | 1.22% | 4.38% | 6.31% | 2.83% |
| Q2 2026 | 5.58% | 1.21% | 4.47% | 6.39% | 2.86% |
The Farmers Bank of Willards 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 Willards, 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 Willards profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5885) · FFIEC NIC profile (RSSD 105026)