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 0.12 percentage points between Q1 2026 and Q2 2026, to 4.45%. Within Ohio, Farmers State Bank is 23rd of 156 on net interest margin, 4.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers State Bank sits 0.50 points higher, at 4.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.17% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.71% |
| Cost of interest-bearing deposits | 0.89% |
| Cost of interest-bearing liabilities | 1.08% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $303K |
| Interest expense on deposits | $233K |
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% | 0.44% | 3.74% | 5.03% | 2.00% |
| Q4 2023 | 4.36% | 0.66% | 3.72% | 5.20% | 2.01% |
| Q1 2024 | 4.49% | 0.93% | 3.58% | 5.42% | 2.10% |
| Q2 2024 | 4.70% | 1.03% | 3.71% | 5.67% | 2.14% |
| Q3 2024 | 4.83% | 0.94% | 3.91% | 5.88% | 2.16% |
| Q4 2024 | 4.84% | 0.76% | 4.09% | 5.89% | 2.19% |
| Q1 2025 | 4.71% | 0.73% | 3.99% | 5.75% | 2.22% |
| Q2 2025 | 4.91% | 0.69% | 4.24% | 6.04% | 2.22% |
| Q3 2025 | 5.05% | 0.75% | 4.34% | 6.21% | 2.21% |
| Q4 2025 | 5.11% | 0.75% | 4.40% | 6.24% | 2.24% |
| Q1 2026 | 5.03% | 0.72% | 4.33% | 6.13% | 2.30% |
| Q2 2026 | 5.13% | 0.71% | 4.45% | 6.17% | 2.30% |
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 8647) · FFIEC NIC profile (RSSD 327220)