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.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 4.05%, the biggest move on this page. Within Iowa, Farmers State Bank is 47th of 225 on net interest margin, 4.05% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Farmers State Bank sits 0.16 points higher, at 4.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 7.22% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $714K |
| Total interest expense | $298K |
| Interest expense on deposits | $298K |
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 | 4.20% | 1.81% | 2.64% | 5.91% | 2.50% |
| Q4 2023 | 4.35% | 1.83% | 2.73% | 6.08% | 2.50% |
| Q1 2024 | 4.49% | 1.73% | 2.93% | 6.28% | 2.56% |
| Q2 2024 | 4.68% | 1.74% | 3.08% | 6.54% | 2.71% |
| Q3 2024 | 4.93% | 1.83% | 3.23% | 6.78% | 2.83% |
| Q4 2024 | 4.92% | 2.00% | 3.16% | 6.84% | 2.89% |
| Q1 2025 | 4.57% | 1.78% | 2.94% | 6.33% | 3.05% |
| Q2 2025 | 4.99% | 1.92% | 3.21% | 7.20% | 3.16% |
| Q3 2025 | 5.39% | 1.98% | 3.57% | 7.06% | 3.40% |
| Q4 2025 | 5.62% | 1.92% | 3.87% | 7.12% | 3.73% |
| Q1 2026 | 5.34% | 1.77% | 3.79% | 6.95% | 3.93% |
| Q2 2026 | 5.69% | 1.82% | 4.05% | 7.22% | 3.91% |
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 9106) · FFIEC NIC profile (RSSD 507349)