Farmers 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.19% to 3.31%, the largest move among the key lines here. Farmers Savings Bank ranks 161st of 225 Iowa banks on net interest margin, in the lower half at 3.31% (Q2 2026). Farmers Savings 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 | 5.10% |
| Yield on loans | 6.20% |
| Yield on securities | 2.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 4.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $569K |
| Interest expense on deposits | $508K |
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 | 3.79% | 1.54% | 2.40% | 4.97% | 2.07% |
| Q4 2023 | 4.11% | 1.83% | 2.43% | 5.18% | 2.42% |
| Q1 2024 | 4.09% | 2.13% | 2.14% | 5.59% | 1.90% |
| Q2 2024 | 4.06% | 2.23% | 2.02% | 5.48% | 1.83% |
| Q3 2024 | 4.40% | 2.41% | 2.22% | 5.78% | 1.81% |
| Q4 2024 | 4.78% | 2.60% | 2.37% | 6.03% | 1.76% |
| Q1 2025 | 4.94% | 2.41% | 2.72% | 6.06% | 2.02% |
| Q2 2025 | 4.97% | 2.27% | 2.90% | 6.08% | 2.07% |
| Q3 2025 | 5.08% | 2.16% | 3.12% | 6.27% | 2.04% |
| Q4 2025 | 5.09% | 2.21% | 3.06% | 6.29% | 2.03% |
| Q1 2026 | 4.98% | 1.94% | 3.19% | 6.24% | 2.02% |
| Q2 2026 | 5.10% | 1.94% | 3.31% | 6.20% | 2.02% |
Farmers 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10500) · FFIEC NIC profile (RSSD 380346)