Farmers Building and Savings 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, Yield on securities rose 0.29 percentage points in Q2 2026 to 3.57%, the biggest move on this page. On net interest margin, Farmers Building and Savings Bank is 6th from the bottom among 109 Pennsylvania banks, 2.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers Building and Savings Bank sits 1.86 points lower, at 2.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.22% |
| Yield on loans | 4.90% |
| Yield on securities | 3.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.09% |
| Yield to cost spread | 1.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $733K |
| Total interest expense | $594K |
| Interest expense on deposits | $594K |
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 | 4.26% | 3.03% | 1.74% | 4.12% | 3.43% |
| Q4 2023 | 4.10% | 3.28% | 1.38% | 3.96% | 3.25% |
| Q1 2024 | 4.07% | 3.46% | 1.19% | 4.21% | 3.04% |
| Q2 2024 | 4.09% | 3.46% | 1.20% | 4.23% | 2.90% |
| Q3 2024 | 4.52% | 2.36% | 1.66% | 4.33% | 4.92% |
| Q4 2024 | 4.14% | 2.03% | 1.58% | 4.28% | 3.61% |
| Q1 2025 | 4.14% | 2.96% | 1.65% | 4.59% | 3.42% |
| Q2 2025 | 4.01% | 2.96% | 1.50% | 4.54% | 2.75% |
| Q3 2025 | 4.30% | 3.04% | 1.74% | 4.76% | 3.40% |
| Q4 2025 | 4.48% | 3.01% | 1.93% | 4.55% | 5.19% |
| Q1 2026 | 4.07% | 2.46% | 1.98% | 4.73% | 3.28% |
| Q2 2026 | 4.22% | 2.48% | 2.09% | 4.90% | 3.57% |
Farmers Building and Savings 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 Farmers Building and Savings 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 Farmers Building and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34711) · FFIEC NIC profile (RSSD 19972)