Farmers Bank & Trust Company: 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.
Cost of borrowings fell 0.41 percentage points from Q1 2026 to Q2 2026, ending at 3.26% against 3.67%. It was the largest change among the key lines on this page. Farmers Bank & Trust Company ranks 43rd of 78 Arkansas banks on net interest margin, in the lower half at 4.04% (Q2 2026). Farmers Bank & Trust Company reported 4.04% on net interest margin for Q2 2026, 0.33 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.74% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 3.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $40.7M |
| Total interest expense | $15.1M |
| Interest expense on deposits | $14.7M |
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 | 5.35% | 2.46% | 3.03% | 6.27% | 2.47% |
| Q4 2023 | 5.54% | 2.59% | 3.08% | 6.49% | 2.46% |
| Q1 2024 | 5.64% | 2.69% | 3.07% | 6.58% | 2.66% |
| Q2 2024 | 5.92% | 2.82% | 3.26% | 6.83% | 2.76% |
| Q3 2024 | 6.10% | 2.84% | 3.43% | 7.03% | 2.73% |
| Q4 2024 | 6.09% | 2.68% | 3.57% | 6.96% | 2.76% |
| Q1 2025 | 5.92% | 2.48% | 3.59% | 6.73% | 2.70% |
| Q2 2025 | 6.09% | 2.43% | 3.79% | 6.88% | 2.72% |
| Q3 2025 | 6.19% | 2.41% | 3.95% | 7.02% | 2.71% |
| Q4 2025 | 5.93% | 2.33% | 3.75% | 6.64% | 2.85% |
| Q1 2026 | 5.93% | 2.16% | 3.90% | 6.60% | 3.19% |
| Q2 2026 | 6.05% | 2.13% | 4.04% | 6.74% | 3.11% |
Farmers Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1291) · FFIEC NIC profile (RSSD 12946)