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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.97% to 4.08%, the largest move among the key lines here. Within Montana, Farmers State Bank is 21st of 35 on net interest margin, 4.08% as of Q2 2026, below the middle of the field. Farmers State Bank reported 4.08% on net interest margin for Q2 2026, 0.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.77% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.2M |
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 | 4.40% | 1.37% | 3.11% | 5.51% | 2.13% |
| Q4 2023 | 4.61% | 1.57% | 3.16% | 5.71% | 2.17% |
| Q1 2024 | 4.70% | 1.88% | 2.94% | 5.76% | 2.24% |
| Q2 2024 | 4.80% | 1.86% | 3.09% | 5.93% | 2.26% |
| Q3 2024 | 5.04% | 1.94% | 3.25% | 6.19% | 2.41% |
| Q4 2024 | 5.05% | 1.86% | 3.36% | 6.30% | 2.40% |
| Q1 2025 | 5.11% | 1.69% | 3.56% | 6.29% | 2.50% |
| Q2 2025 | 5.28% | 1.63% | 3.78% | 6.49% | 2.62% |
| Q3 2025 | 5.38% | 1.60% | 3.94% | 6.61% | 2.73% |
| Q4 2025 | 5.43% | 1.62% | 4.01% | 6.71% | 2.81% |
| Q1 2026 | 5.43% | 1.62% | 3.97% | 6.68% | 2.94% |
| Q2 2026 | 5.56% | 1.64% | 4.08% | 6.77% | 2.97% |
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 342) · FFIEC NIC profile (RSSD 475354)