The Farmers Bank: 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.
Compared with Q1 2026, Net interest margin rose 0.14 percentage points in Q2 2026 to 4.69%, the biggest move on this page. Within Tennessee, The Farmers Bank is 15th of 109 on net interest margin, 4.69% 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 sits 0.74 points higher, at 4.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 7.62% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.0M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.3M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.57% | 1.25% | 4.44% | 7.07% | 2.32% |
| Q4 2023 | 5.71% | 1.40% | 4.46% | 7.29% | 2.32% |
| Q1 2024 | 5.68% | 1.57% | 4.27% | 7.25% | 2.34% |
| Q2 2024 | 5.96% | 1.68% | 4.47% | 7.61% | 2.38% |
| Q3 2024 | 6.15% | 1.83% | 4.53% | 7.88% | 2.43% |
| Q4 2024 | 6.14% | 1.92% | 4.44% | 7.89% | 2.47% |
| Q1 2025 | 6.16% | 1.85% | 4.51% | 7.89% | 2.55% |
| Q2 2025 | 6.16% | 1.78% | 4.58% | 7.76% | 2.60% |
| Q3 2025 | 6.32% | 1.69% | 4.83% | 7.95% | 2.61% |
| Q4 2025 | 6.16% | 1.71% | 4.66% | 7.74% | 2.63% |
| Q1 2026 | 6.02% | 1.66% | 4.55% | 7.51% | 2.71% |
| Q2 2026 | 6.14% | 1.64% | 4.69% | 7.62% | 2.77% |
The Farmers Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1696) · FFIEC NIC profile (RSSD 901938)