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 standout move of Q2 2026 was in Net interest margin: 0.43 percentage points higher than in Q1 2026, at 4.00%. Within Iowa, Farmers State Bank is 53rd of 225 on net interest margin, 4.00% as of Q2 2026, above the middle of the field. At 4.00%, Farmers State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 6.16% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $522K |
| Interest expense on deposits | $522K |
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 | 4.28% | 1.03% | 3.31% | 5.18% | 1.82% |
| Q4 2023 | 4.65% | 1.34% | 3.39% | 5.61% | 1.86% |
| Q1 2024 | 4.67% | 1.54% | 3.23% | 5.58% | 1.98% |
| Q2 2024 | 4.88% | 1.83% | 3.16% | 5.86% | 2.02% |
| Q3 2024 | 5.10% | 1.91% | 3.31% | 6.04% | 2.13% |
| Q4 2024 | 5.26% | 1.81% | 3.58% | 6.11% | 2.28% |
| Q1 2025 | 5.25% | 1.78% | 3.59% | 6.05% | 2.43% |
| Q2 2025 | 5.34% | 1.79% | 3.71% | 6.07% | 2.72% |
| Q3 2025 | 5.54% | 1.69% | 4.02% | 6.27% | 2.77% |
| Q4 2025 | 5.50% | 1.75% | 3.92% | 6.18% | 2.81% |
| Q1 2026 | 5.05% | 1.63% | 3.57% | 5.74% | 2.73% |
| Q2 2026 | 5.41% | 1.56% | 4.00% | 6.16% | 3.07% |
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 8760) · FFIEC NIC profile (RSSD 208440)