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.
Compared with Q1 2026, Cost of borrowings rose 0.40 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Within Iowa, Farmers Savings Bank is 178th of 225 on net interest margin, 3.15% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers Savings Bank sits 0.80 points lower, at 3.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 5.71% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $917K |
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 | 4.37% | 2.17% | 2.46% | 5.27% | 2.25% |
| Q4 2023 | 4.63% | 2.55% | 2.33% | 5.42% | 2.56% |
| Q1 2024 | 4.72% | 2.75% | 2.23% | 5.50% | 2.53% |
| Q2 2024 | 4.83% | 3.01% | 2.09% | 5.61% | 2.39% |
| Q3 2024 | 5.12% | 3.04% | 2.36% | 5.80% | 2.89% |
| Q4 2024 | 5.03% | 2.87% | 2.48% | 5.83% | 2.38% |
| Q1 2025 | 5.00% | 2.55% | 2.74% | 5.59% | 3.03% |
| Q2 2025 | 5.28% | 2.53% | 2.98% | 5.74% | 3.57% |
| Q3 2025 | 5.40% | 2.64% | 3.08% | 5.86% | 3.57% |
| Q4 2025 | 5.63% | 2.53% | 3.33% | 6.15% | 3.45% |
| Q1 2026 | 5.35% | 2.35% | 3.22% | 5.83% | 3.30% |
| Q2 2026 | 5.31% | 2.38% | 3.15% | 5.71% | 3.35% |
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 18284) · FFIEC NIC profile (RSSD 624648)