Farmers Savings Bank & Trust: 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, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.35%, the biggest move on this page. Within Iowa, Farmers Savings Bank & Trust is 154th of 225 on net interest margin, 3.35% 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 & Trust sits 0.60 points lower, at 3.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 6.46% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.65% |
| Cost of borrowings | 0.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $671K |
| Interest expense on deposits | $670K |
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 | 3.65% | 1.05% | 2.65% | 5.62% | 1.98% |
| Q4 2023 | 3.58% | 1.18% | 2.56% | 5.76% | 2.01% |
| Q1 2024 | 3.90% | 1.47% | 2.58% | 5.87% | 2.04% |
| Q2 2024 | 4.01% | 1.50% | 2.67% | 6.03% | 2.00% |
| Q3 2024 | 4.11% | 1.71% | 2.59% | 6.22% | 1.96% |
| Q4 2024 | 4.24% | 1.62% | 2.81% | 6.31% | 2.00% |
| Q1 2025 | 4.31% | 1.64% | 2.88% | 6.26% | 1.99% |
| Q2 2025 | 4.38% | 1.49% | 2.97% | 6.30% | 2.11% |
| Q3 2025 | 4.48% | 1.56% | 3.05% | 6.53% | 2.15% |
| Q4 2025 | 4.50% | 1.48% | 3.16% | 6.51% | 2.28% |
| Q1 2026 | 4.50% | 1.38% | 3.22% | 6.41% | 2.27% |
| Q2 2026 | 4.58% | 1.33% | 3.35% | 6.46% | 2.38% |
Farmers Savings Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10122) · FFIEC NIC profile (RSSD 368344)