The Farmers National Bank of Lebanon: 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.
In Q2 2026, Cost of interest-bearing deposits edged up by 0.17 percentage points, from 2.65% to 2.82%, the largest move among the key lines here. Within Kentucky, The Farmers National Bank of Lebanon is 76th of 119 on net interest margin, 3.73% as of Q2 2026, below the middle of the field. The Farmers National Bank of Lebanon reported 3.73% on net interest margin for Q2 2026, 0.22 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.77% |
| Yield on securities | 2.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $731K |
| Interest expense on deposits | $731K |
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 | 4.61% | 1.13% | 3.58% | 6.08% | 2.44% |
| Q4 2023 | 4.80% | 1.27% | 3.63% | 6.29% | 2.20% |
| Q1 2024 | 4.79% | 1.47% | 3.43% | 6.21% | 2.13% |
| Q2 2024 | 4.99% | 1.64% | 3.51% | 6.38% | 2.22% |
| Q3 2024 | 5.33% | 1.70% | 3.76% | 6.89% | 2.26% |
| Q4 2024 | 5.20% | 1.81% | 3.56% | 6.74% | 2.26% |
| Q1 2025 | 5.16% | 1.76% | 3.56% | 6.56% | 2.28% |
| Q2 2025 | 5.30% | 1.74% | 3.71% | 6.73% | 2.54% |
| Q3 2025 | 5.37% | 1.74% | 3.78% | 6.87% | 2.41% |
| Q4 2025 | 5.49% | 1.80% | 3.83% | 6.88% | 2.41% |
| Q1 2026 | 5.55% | 1.85% | 3.81% | 6.69% | 2.46% |
| Q2 2026 | 5.56% | 1.98% | 3.73% | 6.77% | 2.48% |
The Farmers National Bank of Lebanon yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers National Bank of Lebanon, 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 The Farmers National Bank of Lebanon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2754) · FFIEC NIC profile (RSSD 575348)