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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 4.24%. Within Illinois, Farmers National Bank is 237th of 323 on net interest margin, 3.31% as of Q2 2026, below the middle of the field. Farmers National Bank reported 3.31% on net interest margin for Q2 2026, 0.64 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.04% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 2.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $3.3M |
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 | 4.81% | 1.87% | 3.07% | 5.44% | 4.01% |
| Q4 2023 | 4.93% | 2.01% | 3.06% | 5.60% | 4.08% |
| Q1 2024 | 5.01% | 2.12% | 3.05% | 5.74% | 3.98% |
| Q2 2024 | 5.00% | 2.28% | 2.93% | 5.83% | 3.85% |
| Q3 2024 | 5.09% | 2.42% | 2.90% | 5.93% | 3.87% |
| Q4 2024 | 5.14% | 2.52% | 2.85% | 6.04% | 3.87% |
| Q1 2025 | 5.17% | 2.51% | 2.89% | 5.98% | 3.96% |
| Q2 2025 | 5.24% | 2.51% | 2.97% | 6.09% | 3.98% |
| Q3 2025 | 5.26% | 2.43% | 3.07% | 6.18% | 3.95% |
| Q4 2025 | 5.30% | 2.32% | 3.23% | 6.14% | 4.03% |
| Q1 2026 | 5.18% | 2.18% | 3.21% | 5.98% | 4.04% |
| Q2 2026 | 5.27% | 2.17% | 3.31% | 6.04% | 4.24% |
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 3732) · FFIEC NIC profile (RSSD 933041)