Farmers State 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 3.78%. Within Iowa, Farmers State Bank is 90th of 225 on net interest margin, 3.78% as of Q2 2026, above the middle of the field. At 3.78%, Farmers State Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 6.13% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.1M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.7M |
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 | 4.22% | 1.58% | 2.61% | 4.64% | 2.60% |
| Q4 2023 | 4.33% | 1.84% | 2.47% | 4.75% | 2.70% |
| Q1 2024 | 4.39% | 1.98% | 2.40% | 4.80% | 2.71% |
| Q2 2024 | 4.60% | 2.42% | 2.50% | 4.98% | 2.85% |
| Q3 2024 | 4.74% | 2.47% | 2.59% | 5.15% | 2.91% |
| Q4 2024 | 4.79% | 2.37% | 2.73% | 5.24% | 2.90% |
| Q1 2025 | 4.84% | 2.19% | 2.95% | 5.34% | 2.89% |
| Q2 2025 | 5.14% | 2.24% | 3.22% | 5.67% | 3.04% |
| Q3 2025 | 5.28% | 2.28% | 3.36% | 5.85% | 3.16% |
| Q4 2025 | 5.44% | 2.29% | 3.52% | 6.07% | 3.24% |
| Q1 2026 | 5.34% | 2.13% | 3.55% | 5.89% | 3.28% |
| Q2 2026 | 5.57% | 2.14% | 3.78% | 6.13% | 3.46% |
Farmers State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14209) · FFIEC NIC profile (RSSD 1006148)