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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 5.32%. Farmers State Bank ranks 14th of 121 Georgia banks on net interest margin, in the upper half at 5.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers State Bank sits 1.37 points higher, at 5.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 7.14% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.47% |
| Cost of interest-bearing liabilities | 1.47% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.32% |
| Yield to cost spread | 4.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $371K |
| Interest expense on deposits | $371K |
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 | 5.26% | 0.54% | 4.79% | 5.87% | 2.52% |
| Q4 2023 | 5.57% | 0.78% | 4.89% | 6.17% | 2.45% |
| Q1 2024 | 5.61% | 1.11% | 4.64% | 6.26% | 2.46% |
| Q2 2024 | 5.92% | 1.46% | 4.65% | 6.59% | 2.48% |
| Q3 2024 | 6.12% | 1.46% | 4.85% | 6.84% | 2.45% |
| Q4 2024 | 6.04% | 1.45% | 4.81% | 6.78% | 2.48% |
| Q1 2025 | 6.10% | 1.27% | 4.97% | 6.87% | 2.59% |
| Q2 2025 | 6.27% | 1.18% | 5.23% | 7.12% | 2.57% |
| Q3 2025 | 6.36% | 1.18% | 5.31% | 7.35% | 2.38% |
| Q4 2025 | 6.30% | 1.15% | 5.30% | 7.18% | 2.58% |
| Q1 2026 | 6.22% | 1.10% | 5.27% | 7.15% | 2.66% |
| Q2 2026 | 6.26% | 1.09% | 5.32% | 7.14% | 2.67% |
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 19720) · FFIEC NIC profile (RSSD 113030)