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 rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 4.02% against 3.67%. It was the largest change among the key lines on this page. Farmers State Bank ranks 49th of 225 Iowa banks on net interest margin, in the upper half at 4.02% (Q2 2026). At 4.02%, Farmers State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.95% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 2.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $952K |
| Interest expense on deposits | $881K |
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 | 4.26% | 1.97% | 2.53% | 5.42% | 2.32% |
| Q4 2023 | 4.33% | 2.12% | 2.47% | 5.55% | 2.32% |
| Q1 2024 | 4.38% | 2.17% | 2.46% | 5.67% | 2.00% |
| Q2 2024 | 4.73% | 1.99% | 2.97% | 5.84% | 2.01% |
| Q3 2024 | 5.14% | 2.05% | 3.29% | 6.32% | 2.31% |
| Q4 2024 | 5.28% | 2.04% | 3.43% | 6.39% | 2.50% |
| Q1 2025 | 5.16% | 1.96% | 3.37% | 6.32% | 2.14% |
| Q2 2025 | 5.27% | 2.00% | 3.44% | 6.45% | 2.15% |
| Q3 2025 | 5.26% | 2.03% | 3.41% | 6.45% | 2.15% |
| Q4 2025 | 5.36% | 1.99% | 3.56% | 6.56% | 2.15% |
| Q1 2026 | 5.37% | 1.87% | 3.67% | 6.45% | 2.14% |
| Q2 2026 | 5.75% | 1.89% | 4.02% | 6.95% | 2.14% |
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 5797) · FFIEC NIC profile (RSSD 537243)