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.
Yield on securities rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 3.39% against 3.08%. It was the largest change among the key lines on this page. Farmers State Bank ranks 93rd of 345 Texas banks on net interest margin, in the upper half at 4.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers State Bank sits 0.70 points higher, at 4.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.97% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.65% |
| Cost of interest-bearing deposits | 1.24% |
| Cost of interest-bearing liabilities | 1.24% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $280K |
| Interest expense on deposits | $280K |
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 | 4.31% | 0.56% | 3.75% | 5.93% | 1.45% |
| Q4 2023 | 4.45% | 0.58% | 3.88% | 6.12% | 1.53% |
| Q1 2024 | 4.79% | 0.67% | 4.14% | 6.55% | 1.65% |
| Q2 2024 | 5.19% | 1.08% | 4.14% | 6.97% | 1.70% |
| Q3 2024 | 5.09% | 0.96% | 4.15% | 6.88% | 1.66% |
| Q4 2024 | 5.30% | 0.80% | 4.54% | 7.11% | 1.94% |
| Q1 2025 | 5.25% | 0.54% | 4.72% | 6.71% | 2.37% |
| Q2 2025 | 5.66% | 0.66% | 5.02% | 7.10% | 2.57% |
| Q3 2025 | 5.60% | 0.67% | 4.95% | 7.55% | 2.46% |
| Q4 2025 | 5.51% | 0.68% | 4.87% | 7.15% | 2.82% |
| Q1 2026 | 5.26% | 0.65% | 4.61% | 6.91% | 3.08% |
| Q2 2026 | 5.29% | 0.65% | 4.65% | 6.97% | 3.39% |
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 15367) · FFIEC NIC profile (RSSD 461058)