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.
Cost of borrowings climbed 0.86 percentage points in Q2 2026, from 2.23% to 3.09%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Farmers State Bank is 68th of 109 on net interest margin, 3.74% as of Q2 2026, below the middle of the field. Farmers State Bank reported 3.74% on net interest margin for Q2 2026, 0.21 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 6.54% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $786K |
| Interest expense on deposits | $752K |
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 | 4.18% | 1.01% | 3.26% | 5.50% | 2.10% |
| Q4 2023 | 4.30% | 1.15% | 3.25% | 5.68% | 2.10% |
| Q1 2024 | 4.35% | 1.27% | 3.20% | 5.71% | 2.22% |
| Q2 2024 | 4.38% | 1.48% | 3.12% | 5.82% | 2.27% |
| Q3 2024 | 4.51% | 1.77% | 2.93% | 5.98% | 2.09% |
| Q4 2024 | 4.70% | 1.70% | 3.23% | 6.29% | 1.97% |
| Q1 2025 | 4.69% | 1.47% | 3.39% | 6.18% | 2.26% |
| Q2 2025 | 4.85% | 1.38% | 3.56% | 6.34% | 2.43% |
| Q3 2025 | 5.13% | 1.41% | 3.82% | 6.77% | 2.56% |
| Q4 2025 | 5.08% | 1.43% | 3.77% | 6.60% | 2.73% |
| Q1 2026 | 5.07% | 1.45% | 3.72% | 6.54% | 2.75% |
| Q2 2026 | 5.14% | 1.52% | 3.74% | 6.54% | 2.69% |
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 13775) · FFIEC NIC profile (RSSD 105530)