Farmers Bank & Trust: 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.
Total interest expense rose 3.8% from Q1 2026 to Q2 2026, ending at $4.3M against $4.1M. It was the largest change among the key lines on this page. Farmers Bank & Trust ranks 61st of 182 Kansas banks on net interest margin, in the upper half at 4.17% (Q2 2026). Farmers Bank & Trust reported 4.17% on net interest margin for Q2 2026, 0.46 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 6.32% |
| Yield on securities | 5.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.9M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $3.5M |
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 | 5.13% | 2.36% | 3.14% | 6.08% | 4.40% |
| Q4 2023 | 5.34% | 2.39% | 3.36% | 6.25% | 4.59% |
| Q1 2024 | 5.41% | 2.38% | 3.41% | 6.22% | 4.72% |
| Q2 2024 | 5.57% | 2.61% | 3.38% | 6.44% | 4.82% |
| Q3 2024 | 5.73% | 2.73% | 3.45% | 6.61% | 4.87% |
| Q4 2024 | 5.69% | 2.50% | 3.63% | 6.41% | 4.90% |
| Q1 2025 | 5.70% | 2.23% | 3.86% | 6.37% | 4.92% |
| Q2 2025 | 5.85% | 2.34% | 3.96% | 6.55% | 5.04% |
| Q3 2025 | 5.96% | 2.42% | 3.99% | 6.67% | 5.11% |
| Q4 2025 | 5.87% | 2.22% | 4.06% | 6.52% | 5.10% |
| Q1 2026 | 5.83% | 2.09% | 4.15% | 6.27% | 5.29% |
| Q2 2026 | 5.87% | 2.13% | 4.17% | 6.32% | 5.30% |
Farmers Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17614) · FFIEC NIC profile (RSSD 482156)