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 rose 0.64 percentage points from Q1 2026 to Q2 2026, ending at 4.45% against 3.81%. It was the largest change among the key lines on this page. Within Kentucky, Farmers Bank & Trust Company is 44th of 119 on net interest margin, 4.13% 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. Farmers Bank & Trust Company sits 0.18 points higher, at 4.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 6.61% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 4.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.8M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.9M |
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 | 5.50% | 2.36% | 3.22% | 5.88% | 2.77% |
| Q4 2023 | 5.88% | 2.76% | 3.19% | 6.18% | 3.34% |
| Q1 2024 | 5.96% | 2.89% | 3.16% | 6.31% | 3.29% |
| Q2 2024 | 6.12% | 2.90% | 3.33% | 6.47% | 3.16% |
| Q3 2024 | 6.29% | 3.01% | 3.43% | 6.66% | 3.21% |
| Q4 2024 | 6.23% | 2.82% | 3.55% | 6.60% | 3.21% |
| Q1 2025 | 6.15% | 2.48% | 3.79% | 6.54% | 3.13% |
| Q2 2025 | 6.32% | 2.50% | 3.94% | 6.67% | 3.80% |
| Q3 2025 | 6.42% | 2.54% | 4.01% | 6.77% | 3.68% |
| Q4 2025 | 6.46% | 2.50% | 4.09% | 6.80% | 3.81% |
| Q1 2026 | 6.21% | 2.25% | 4.08% | 6.51% | 3.86% |
| Q2 2026 | 6.28% | 2.28% | 4.13% | 6.61% | 3.68% |
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 12869) · FFIEC NIC profile (RSSD 262741)