Farmers & Merchants Bank of Colby: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.8% between Q1 2026 and Q2 2026, to $4.2M. Farmers & Merchants Bank of Colby ranks 127th of 182 Kansas banks on net interest margin, in the lower half at 3.68% (Q2 2026). Farmers & Merchants Bank of Colby reported 3.68% on net interest margin for Q2 2026, 0.27 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | 6.92% |
| Yield on securities | 5.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.84% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.35% |
| Cost of borrowings | 3.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $3.7M |
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 | 5.92% | 2.66% | 3.41% | 6.23% | 5.04% |
| Q4 2023 | 6.22% | 2.84% | 3.49% | 6.68% | 4.83% |
| Q1 2024 | 6.37% | 2.98% | 3.45% | 6.69% | 5.53% |
| Q2 2024 | 6.32% | 3.36% | 3.19% | 6.74% | 4.68% |
| Q3 2024 | 6.52% | 3.22% | 3.39% | 6.93% | 4.98% |
| Q4 2024 | 6.33% | 3.29% | 3.22% | 6.80% | 5.01% |
| Q1 2025 | 6.18% | 3.16% | 3.22% | 6.82% | 4.02% |
| Q2 2025 | 6.30% | 3.20% | 3.38% | 6.88% | 4.44% |
| Q3 2025 | 6.52% | 3.19% | 3.51% | 6.97% | 4.84% |
| Q4 2025 | 6.49% | 3.18% | 3.58% | 6.97% | 4.71% |
| Q1 2026 | 6.45% | 2.97% | 3.67% | 6.92% | 4.95% |
| Q2 2026 | 6.46% | 2.84% | 3.68% | 6.92% | 5.03% |
Farmers & Merchants Bank of Colby 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 & Merchants Bank of Colby, 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 & Merchants Bank of Colby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34719) · FFIEC NIC profile (RSSD 2667939)