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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.25 percentage points to 3.98%. Farmers Bank & Trust ranks 91st of 182 Kansas banks on net interest margin, in the upper half at 3.98% (Q2 2026). At 3.98%, Farmers Bank & Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 6.40% |
| Yield on securities | 3.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.48% |
| Cost of interest-bearing liabilities | 1.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $455K |
| Interest expense on deposits | $455K |
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 | 4.10% | 1.69% | 2.48% | 5.32% | 2.91% |
| Q4 2023 | 4.37% | 2.06% | 2.38% | 5.47% | 3.28% |
| Q1 2024 | 4.48% | 1.91% | 2.64% | 5.48% | 3.47% |
| Q2 2024 | 4.55% | 1.79% | 2.84% | 5.71% | 3.37% |
| Q3 2024 | 4.70% | 2.17% | 2.64% | 5.93% | 3.44% |
| Q4 2024 | 4.95% | 2.24% | 2.75% | 6.18% | 3.68% |
| Q1 2025 | 4.87% | 1.99% | 2.95% | 6.18% | 3.51% |
| Q2 2025 | 4.87% | 1.86% | 3.09% | 6.15% | 3.60% |
| Q3 2025 | 5.32% | 1.55% | 3.83% | 6.86% | 3.60% |
| Q4 2025 | 5.22% | 1.63% | 3.64% | 6.64% | 3.49% |
| Q1 2026 | 5.10% | 1.41% | 3.73% | 6.25% | 3.60% |
| Q2 2026 | 5.16% | 1.24% | 3.98% | 6.40% | 3.41% |
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 4621) · FFIEC NIC profile (RSSD 984351)