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 0.10 percentage points, from 3.44% to 3.54%, the largest move among the key lines here. Within Kansas, Farmers State Bank is 141st of 182 on net interest margin, 3.54% as of Q2 2026, below the middle of the field. Farmers State Bank reported 3.54% on net interest margin for Q2 2026, 0.35 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 6.75% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $384K |
| Total interest expense | $163K |
| Interest expense on deposits | $134K |
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% | 1.63% | 3.18% | 5.66% | 2.58% |
| Q4 2023 | 4.62% | 1.82% | 3.26% | 5.88% | 2.65% |
| Q1 2024 | 4.57% | 2.02% | 3.01% | 5.87% | 2.67% |
| Q2 2024 | 4.71% | 1.99% | 3.15% | 6.06% | 2.59% |
| Q3 2024 | 4.86% | 2.44% | 2.95% | 6.32% | 2.64% |
| Q4 2024 | 4.87% | 2.15% | 3.15% | 6.39% | 2.70% |
| Q1 2025 | 4.81% | 2.26% | 3.06% | 6.24% | 2.73% |
| Q2 2025 | 5.22% | 1.95% | 3.60% | 6.95% | 2.85% |
| Q3 2025 | 5.30% | 2.13% | 3.61% | 6.90% | 2.77% |
| Q4 2025 | 5.16% | 2.32% | 3.31% | 6.74% | 2.91% |
| Q1 2026 | 5.00% | 1.89% | 3.44% | 6.57% | 2.98% |
| Q2 2026 | 5.04% | 1.82% | 3.54% | 6.75% | 3.02% |
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 14344) · FFIEC NIC profile (RSSD 603559)