Farmers National 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.
The largest change between Q2 2026 and Q3 2026 was in Net interest margin, which rose 0.30 percentage points to 3.91%. Within Kansas, Farmers National Bank is 98th of 182 on net interest margin, 3.91% as of Q3 2026, below the middle of the field. At 3.91%, Farmers National Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 6.98% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $491K |
| Interest expense on deposits | $491K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.28% | 1.39% | 3.14% | 6.09% | 2.25% |
| Q1 2024 | 4.31% | 1.30% | 3.21% | 6.12% | 2.29% |
| Q2 2024 | 4.94% | 1.40% | 3.77% | 7.14% | 2.31% |
| Q3 2024 | 4.75% | 1.64% | 3.39% | 6.61% | 2.31% |
| Q4 2024 | 4.84% | 1.61% | 3.50% | 6.67% | 2.24% |
| Q1 2025 | 4.73% | 1.48% | 3.49% | 6.56% | 2.25% |
| Q2 2025 | 4.93% | 1.50% | 3.69% | 6.76% | 2.33% |
| Q3 2025 | 5.12% | 1.52% | 3.87% | 6.95% | 2.43% |
| Q4 2025 | 5.15% | 1.51% | 3.90% | 6.91% | 2.34% |
| Q1 2026 | 4.84% | 1.46% | 3.61% | 6.66% | 2.73% |
| Q2 2026 | 4.82% | 1.46% | 3.61% | 6.63% | 2.90% |
| Q3 2026 | 5.12% | 1.47% | 3.91% | 6.98% | 2.95% |
Farmers National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4611) · FFIEC NIC profile (RSSD 137559)