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, Total interest expense edged up by 1.5%, from $1.9M to $1.9M, the largest move among the key lines here. Farmers Savings Bank ranks 193rd of 225 Iowa banks on net interest margin, in the lower half at 3.00% (Q2 2026). Farmers Savings Bank reported 3.00% on net interest margin for Q2 2026, 0.95 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.62% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.88% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 1.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 4.95% | 2.59% | 2.59% | 5.54% | 3.75% |
| Q4 2023 | 5.09% | 2.85% | 2.47% | 5.83% | 3.57% |
| Q1 2024 | 5.21% | 2.86% | 2.62% | 5.93% | 3.78% |
| Q2 2024 | 5.24% | 3.16% | 2.36% | 6.09% | 3.50% |
| Q3 2024 | 5.60% | 3.34% | 2.55% | 6.58% | 3.68% |
| Q4 2024 | 5.50% | 3.21% | 2.57% | 6.53% | 3.71% |
| Q1 2025 | 5.89% | 3.03% | 3.12% | 7.01% | 3.90% |
| Q2 2025 | 5.65% | 3.00% | 2.88% | 6.42% | 4.35% |
| Q3 2025 | 5.86% | 3.05% | 3.06% | 6.88% | 4.14% |
| Q4 2025 | 5.53% | 3.00% | 2.75% | 6.51% | 3.99% |
| Q1 2026 | 5.66% | 2.89% | 2.99% | 6.67% | 4.03% |
| Q2 2026 | 5.66% | 2.88% | 3.00% | 6.62% | 4.02% |
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 14807) · FFIEC NIC profile (RSSD 774347)