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.
Net interest margin climbed 0.49 percentage points in Q2 2026, from 3.98% to 4.47%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers State Bank is 44th of 323 on net interest margin, 4.47% 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 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.61% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 3.10% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.20% | 1.04% | 4.27% | 5.58% | 3.21% |
| Q4 2023 | 5.21% | 1.18% | 4.15% | 5.87% | 2.17% |
| Q1 2024 | 5.61% | 1.28% | 4.44% | 6.07% | 3.52% |
| Q2 2024 | 5.73% | 1.44% | 4.43% | 6.23% | 3.38% |
| Q3 2024 | 5.85% | 1.56% | 4.45% | 6.46% | 2.88% |
| Q4 2024 | 5.63% | 1.63% | 4.19% | 6.34% | 2.56% |
| Q1 2025 | 5.60% | 1.58% | 4.22% | 6.15% | 3.61% |
| Q2 2025 | 5.78% | 1.55% | 4.42% | 6.35% | 3.54% |
| Q3 2025 | 5.86% | 1.55% | 4.50% | 6.57% | 2.40% |
| Q4 2025 | 5.78% | 1.62% | 4.35% | 6.65% | 2.12% |
| Q1 2026 | 5.31% | 1.25% | 3.98% | 6.00% | 2.72% |
| Q2 2026 | 5.82% | 1.22% | 4.47% | 6.61% | 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 11307) · FFIEC NIC profile (RSSD 477648)